St. Clair County property record for 3701 N River Rd, Fort Gratiot, MI 48059
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,807 sqft · built 1940 |
| Lot Size | 0.487 acres (21,214 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Jul 2019) |
| Tax Bill | $3,184 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Nov 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-20-630-0030-000 |
| Primary APN | 74-20-630-0030-000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,807 sqft Living Area |
| 1st Floor Area | 1,755 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 21,214 sqft (0.487 acres) |
| Lot Depth | 239 ft Depth |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3701 N RIVER RD |
|---|---|
| City | FORT GRATIOT |
| State | MI |
| Zip | 48059-4146 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | N 479.04' OF LOT 28 EXC N 250' OF E 65' THEREOF POLLINA PLAT |
| Legal Subdivision | POLLINA |
| Legal Lot Number | 28 |
| Legal Unit | 28 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | FORT GRATIOT |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 630400 |
3701 N River Rd is owned and occupied by an individual who bought it in July 2019.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3701 N RIVER RD, FORT GRATIOT, MI 48059-4146 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jan 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DORT FCU |
| Nov 10, 2020 | Deed of Trust, Mortgage · Line of Credit DORT FINANCIAL CU |
| Jul 30, 2019 | Warranty Deed, Transfer · Conventional Mortgage DORT FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2019 · Amount on File |
| Deed Sale | Jul 30, 2019 · Amount on File |
| Deed Document Number | 201915362 |
| Deed Book / Page | 5080 / 222 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 3701 N RIVER RD, FORT GRATIOT, MI 48059-4146 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051390846 |
|---|---|
| Date | Jan 10, 2020 |
| Book Page | 5139/846 |
| Instrument | 2020000882 |
| Name | DORT FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 3701 N RIVER RD, FORT GRATIOT, MI 48059-4146 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3701 N RIVER RD, FORT GRATIOT, MI 48059-4146 |
| Document Number | 0052690982 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 5269/982 |
| Instrument | 2020028171 |
| Name | DORT FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jul 30, 2019 |
| Property Address | 3701 N RIVER RD, FORT GRATIOT, MI 48059-4146 |
| Document Number | 0050800222 |
| Book / Page | 005080 / 000222 |
| Instrument Date | Jul 19, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2019 |
| Title Company | LIBERTY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,634.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3710 N RIVER RD FORT GRATIOT MI 480594145, FORT GRATIOT, MI 48059-4145 |
| Document Number | 50800224 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 005080/000224 |
| Name | DORT FCU |
|---|---|
| Type | Credit Union |
| Address | GRAND BLANC, MI 48439 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 29, 2049 |
The 2025 property tax bill for 3701 N River Rd was $3,184 with a homeowner's exemption.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Fort Gratiot Charter Township |
| Unified School District | Port Huron Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $121,900 (+18.46%) | $243,800 | |
| 2025 | $3,184.00 Homeowner's exemption | $102,900 | |
| 2024 | $205,800 | ||
| 2023 | $93,000 | ||
| 2022 | $2,721.00 | $186,000 |
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 3701 N River Rd in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 2008.
Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 16 (2008–2009) |
| Claims Outside the SFHA | 16 of 16 |
| Most Recent Claim | Feb 2009 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3701 N River Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | FORT GRATIOT TOWNSHIP serves 10,640 people · EPA ID MI0002385 |
|---|---|
| Water Source | Purchased surface water from CITY OF PORT HURON |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mercury Fiber Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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