3728 Palms Rd, Casco, MI 48064 Property Records

St. Clair County property record for 3728 Palms Rd, Casco, MI 48064

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,949 sqft · built 1982
Lot Size	19.3 acres (843,757 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (Jan 2024)
Tax Bill	$6,514 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-12-011-2019-000`

Property Details

APN / Parcel Number

Primary APN	`74-12-011-2019-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,949 sqft Living Area
1st Floor Area	2,221 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	843,757 sqft (19.3 acres)
Lot Depth	7,550 ft Depth
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3728 PALMS RD
City	CASCO
State	MI
Zip	48064-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	BEG N 223.48' FROM E 1/4 COR, TH N 111.75', TH S 89D 16M 37S W 2674.23',TH S 0D 2M 18S W 336.45',TH N 89D 15M 3S E 2430.47',
Legal Range	15E
Legal Township	04N
Legal Section	11
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CASCO
Census Block Group	2
Census Block	2012
Census Tract	651100

Owner

Source: St. Clair County records, as of September 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3728 PALMS RD, CASCO, MI 48064-2104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2024	Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHSTAR BANK
May 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTHSTAR BANK
Jul 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2024 · Amount on Record
Deed Sale	Jan 18, 2024 · Amount on Record
Deed Document Number	2024984
Deed Book / Page	5684 / 450
Prior Transfer Date	Apr 13, 2017
Prior Transfer Doc	004845/315
Record Updated	Oct 29, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 18, 2024
Property Address	3728 PALMS RD, CASCO, MI 48064-2104
Document Number	0005684450
Book / Page	5684 / 450
Instrument Date	Sep 14, 2023
Instrument	2024000984
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3728 PALMS RD, CASCO, MI 48064-2104

Mortgage

Document Number	2024000985
Date	Jan 18, 2024
Instrument	2024000985

Lender

Name	STAUNTON FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3728 PALMS RD, CASCO, MI 48064-2104
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3728 PALMS RD PD, PD, CASCO, MI 48064-2104

Mortgage

Document Number	545038
Date	Nov 16, 2021
Book Page	5450/38
Instrument	2021032264

Lender

Name	NORTHSTAR BANK
Type	Bank
Address	BAD AXE, MI 48413

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2031

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3728 PALMS RD, CASCO, MI 48064-2104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049430606
Date	May 10, 2018
Book Page	4943/606
Instrument	2018010829

Lender

Name	NORTHSTAR BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2033

Interest

Rate Type	Fixed Rate

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 3, 2017
Property Address	3728 PALMS RD, CASCO, MI 48064-2104
Document Number	0048450314
Book / Page	004845 / 000314
Instrument Date	Apr 13, 2017
Transaction Type	Transfer
Record Updated	Aug 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3728 PALMS RD CASCO MI 480642104, CASCO, MI 48064-2104

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Casco Township
Unified School District	East China School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$296,100 (+12.8%)	$592,200 (+12.8%)
2025	$6,514.00 (+3.1%) Homeowner's exemption	$262,500 (+12.28%)
2024	$6,318.00 (+61.59%)		$525,000 (+12.28%)
2023		$233,800
2022	$3,910.00		$467,600

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.

Flood

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 Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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