3849 Palms Rd, Casco, MI 48064 Property Records

St. Clair County property record for 3849 Palms Rd, Casco, MI 48064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,262 sqft
Lot Size	2.96 acres (128,938 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,817 (2024)
Deeds & Mortgages	Aug 2023 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-12-012-4005-101`

Property Details

APN / Parcel Number

Primary APN	`74-12-012-4005-101`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,262 sqft Living Area

Exterior

Architectural Style	Ranch
Lot Area	128,938 sqft (2.96 acres)
Garage Area	1,885 sqft
Parking Spaces	7 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	74120124005101
Street Address	3849 PALMS RD
City	CASCO
State	MI
Zip	48064-2118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	BEG N 00D 14M 15S E 1441.91' FROM SW SEC COR, TH N 00D 14M 15S E 191.66', THN 89D 45M 25S E 672.64', TH S 00D 15M 49S W
Legal Range	15E
Legal Township	04N
Legal Section	12
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CASCO
Census Block Group	2
Census Block	2011
Census Tract	651100

Owner

Source: St. Clair County records, as of October 6, 2025

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

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	3849 PALMS RD, CASCO, MI 48064-2118
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Deed of Trust, Mortgage · Line of Credit ADVIA CU
Jan 5, 2021	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	3 Names on Deed
Prior Sale	Jun 20, 2019 · Amount on Record
Last Transfer Date	Jan 3, 2024
Transfer Doc	0005680781
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3849 PALMS RD, CASCO, MI 48064-2118
Transaction Type	Mortgage
Record Updated	Sep 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3849 PALMS RD, CASCO, MI 48064-2118

Mortgage

Document Number	0005647579
Date	Aug 18, 2023
Book Page	5647/579
Instrument	2023014735

Lender

Name	ADVIA CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 17, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3849 PALMS RD, CASCO, MI 48064-2118
Document Number	0053010956
Instrument Date	Jan 5, 2021
Transaction Type	Mortgage
Record Updated	Feb 16, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3849 PALMS RD CASCO MI 48064, CASCO, MI 48064

Mortgage

Document Number	0053010956
Date	Jan 14, 2021
Book Page	005301/000956

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 13, 2051

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 2025

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
2025		$228,400 (+8.61%)
2024	$4,817.00 (+19.41%)		$456,800 (+8.61%)
2023		$210,300
2022	$4,034.00		$420,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Palms Rd

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