St. Clair County property record for 3427 Elk St, Port Huron, MI 48060
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,238 sqft · built 1900 |
| Lot Size | 0.377 acres (16,422 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $205,000 (Sep 2025) |
| Tax Bill | $3,084 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Aug 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-06-146-0039-000 |
| Primary APN | 74-06-146-0039-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,238 sqft Living Area |
| 1st Floor Area | 825 sqft |
| Basement Area | 825 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 16,422 sqft (0.377 acres) |
| Lot Dimensions | 111 ft deep x 66 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3427 ELK ST |
|---|---|
| City | PORT HURON |
| State | MI |
| Zip | 48060-2037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | E 66 FT OF W 158 FT OF N 157.67 FT OF LOT 24 & W 92 FT OF N 61.55 FT OF LOT 24 ASSESSOR'S SUBDIVISION OF PART OF LOTS 22, 23, |
| Legal Subdivision | ASSESSORS SUBDIVISION |
| Legal Lot Number | 22-24 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | PORT HURON |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 629000 |
3427 Elk St is owned and occupied by two individuals who bought it in September 2025.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3427 ELK ST, PORT HURON, MI 48060-2037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 16, 2023 | Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 29, 2025 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) CHOICEONE BANK |
| Sep 22, 2025 | Warranty Deed, Transfer · Conventional Mortgage CHOICEONE BANK |
| Dec 3, 2020 | Warranty Deed, Transfer · FHA Mortgage INTERCONTINENTAL CAPITAL GROUP INC |
| Mar 3, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Jan 21, 2020 | Deed of Trust, Mortgage · Line of Credit WESTBROOK PERRY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2025 · Amount on File |
| Deed Sale | Sep 22, 2025 · Amount on File |
| Prior Sale | Dec 3, 2020 · Amount on File |
| Deed Document Number | 202517874 |
| Deed Book / Page | 5853 / 28 |
| Prior Transfer Date | Oct 3, 2011 |
| Prior Transfer Doc | 004187/914 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 3427 ELK ST, PORT HURON, MI 48060-2037 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3427 ELK ST, PORT HURON, MI 48060-2037 |
| Document Number | 0005605962 |
|---|---|
| Date | Mar 16, 2023 |
| Book Page | 5605/962 |
| Instrument | 2023004301 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 333 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 3427 ELK ST, PORT HURON, MI 48060-2037 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2157 WADHAMS RD, KIMBALL, MI 48074-1933 |
| Document Number | 0005845908 |
|---|---|
| Date | Aug 29, 2025 |
| Book Page | 5845/908 |
| Instrument | 2025016360 |
| Name | CHOICEONE BANK |
|---|---|
| Type | Bank |
| Address | 109 E DIVISION ST, SPARTA, MI 49345 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Sep 22, 2025 |
| Property Address | 3427 ELK ST, PORT HURON, MI 48060-2037 |
| Document Number | 0000585328 |
| Book / Page | 5853 / 28 |
| Map Reference | LB 44 PG 3 |
| Instrument Date | Aug 27, 2025 |
| Instrument | 2025017874 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,537.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3427 ELK ST, PORT HURON, MI 48060-2037 |
| Name | Verified Name |
|---|---|
| Address | 3427 ELK ST, PORT HURON, MI 48060-2037 |
| Document Number | 2025016359 |
|---|---|
| Date | Sep 22, 2025 |
| Instrument | 2025016359 |
| Name | CHOICEONE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Number | 0005849491 |
|---|---|
| Date | Sep 10, 2025 |
| Book Page | 5849/491 |
| Instrument | 2025017064 |
| Name | CHOICEONE BANK |
|---|---|
| Type | Bank |
| Address | 109 E DIVISION ST, SPARTA, MI 49345 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Dec 3, 2020 |
| Property Address | 3427 ELK ST, PORT HURON, MI 48060-2037 |
| Document Number | 0005282418 |
| Book / Page | 5282 / 418 |
| Map Reference | LB 44 PG 3 |
| Instrument Date | Oct 27, 2020 |
| Instrument | 2020030587 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 451340, WESTLAKE, OH 44145-0635 |
| Name | Verified Name |
|---|---|
| Address | 3427 ELK ST, PORT HURON, MI 48060-2037 |
| Document Number | 2020030588 |
|---|---|
| Date | Dec 3, 2020 |
| Instrument | 2020030588 |
| Name | INTERCONTINENTAL CAPITAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Mar 3, 2020 |
| Property Address | 3427 ELK ST, PORT HURON, MI 48060-2037 |
| Document Number | 0051590489 |
| Book / Page | 005159 / 000489 |
| Instrument Date | Feb 14, 2020 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 EQUITY WAY CLEVELAND OH 441451050, CLEVELAND, OH 44145-1050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 3427 ELK ST, PORT HURON, MI 48060-2037 |
| Document Number | 0051520883 |
| Instrument Date | Jan 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | PO BOX 451340 CLEVELAND OH 441450635, CLEVELAND, OH 44145-0635 |
| Document Number | 0051520883 |
|---|---|
| Date | Feb 14, 2020 |
| Book Page | 005152/000883 |
| Name | WESTBROOK PERRY |
|---|---|
| Address | 1690 WADHAMS RD, KIMBALL, MI 48074-2525 |
| Type | Line of Credit |
|---|
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3427 Elk St was $3,084 with a homeowner's exemption, up 2.6% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| Municipality | Port Huron City |
| Unified School District | Port Huron Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $99,500 (+13.07%) | $199,000 | |
| 2025 | $3,084.00 (+2.63%) Homeowner's exemption | $88,000 | |
| 2024 | $3,005.00 | $176,000 | |
| 2023 | $72,200 | ||
| 2022 | $2,629.00 | $144,400 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 3427 Elk St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 20, 2022
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 3427 Elk St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PORT HURON serves 28,983 people · EPA ID MI0005480 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2021 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 589 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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