St. Clair County property record for 3892 Loton Dr, Fort Gratiot, MI 48059
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,552 sqft · built 1986 |
| Lot Size | 0.408 acres (17,772 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (Jun 2022) |
| Tax Bill | $4,214 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-20-685-0002-000 |
| Primary APN | 74-20-685-0002-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,552 sqft Living Area |
| 1st Floor Area | 1,552 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Lot Area | 17,772 sqft (0.408 acres) |
| Lot Dimensions | 237 ft deep x 75 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 3892 LOTON DR |
|---|---|
| City | FORT GRATIOT |
| State | MI |
| Zip | 48059-4210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1B |
| Legal Description | LOT 2 RICHARDS SUBDIVISION |
| Legal Subdivision | RICHARDS SUBDIVISION |
| Legal Lot Number | 2 |
| Legal Unit | 2 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | FORT GRATIOT |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 630400 |
3892 Loton Dr is owned and occupied by an individual who bought it in June 2022.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3892 LOTON DR, FORT GRATIOT, MI 48059-4210 |
| 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 |
|---|---|
| Feb 28, 2024 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA EASTERN MICHIGAN |
| Jun 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL INC |
| Feb 27, 2018 | Warranty Deed, Transfer · VA Mortgage CALIBRE HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 28, 2022 · Amount on File |
| Deed Sale | Jun 28, 2022 · Amount on File |
| Prior Sale | Feb 27, 2018 · Amount on File |
| Deed Document Number | 202215594 |
| Deed Book / Page | 5536 / 578 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 3892 LOTON DR, FORT GRATIOT, MI 48059-4210 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3892 LOTON DR, FORT GRATIOT, MI 48059-4210 |
| Document Number | 0005693506 |
|---|---|
| Date | Feb 28, 2024 |
| Book Page | 5693/506 |
| Instrument | 2024003269 |
| Name | FIFTH THIRD BANK NA EASTERN MICHIGAN |
|---|---|
| Address | 1850 E PARIS AVE SE, GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Change Frequency | Monthly |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jun 28, 2022 |
| Property Address | 3892 LOTON DR, FORT GRATIOT, MI 48059-4210 |
| Document Number | 0005536578 |
| Book / Page | 5536 / 578 |
| Map Reference | LB 87 PG 1 |
| Instrument Date | May 26, 2022 |
| Instrument | 2022015594 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2022 |
| Title Company | LIBERTY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3892 LOTON DR, 3892, FORT GRATIOT, MI 48059-4210 |
| Name | Verified Name |
|---|---|
| Address | 4245 TRISTEN AVE, FORT GRATIOT, MI 48059-3768 |
| Document Number | 2022015595 |
|---|---|
| Date | Jun 28, 2022 |
| Instrument | 2022015595 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Feb 27, 2018 |
| Property Address | 3892 LOTON DR, FORT GRATIOT, MI 48059-4210 |
| Document Number | 0049200534 |
| Book / Page | 004920 / 000534 |
| Instrument Date | Jan 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,204.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3892 LOTON DR FORT GRATIOT MI 480594210, FORT GRATIOT, MI 48059-4210 |
| Document Number | 49200537 |
|---|---|
| Date | Feb 27, 2018 |
| Book Page | 004920/000537 |
| Name | CALIBRE HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 26, 2048 |
The 2025 property tax bill for 3892 Loton Dr was $4,214 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 | $145,300 (+3.49%) | $290,600 | |
| 2025 | $4,214.00 Homeowner's exemption | $140,400 | |
| 2024 | $280,800 | ||
| 2023 | $115,200 | ||
| 2022 | $2,408.00 | $230,400 |
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 3892 Loton Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.
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 | 1 (1978) |
| Most Recent Claim | Mar 1978 · tidal / storm surge |
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 3892 Loton Dr 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 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 242 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mercury Fiber Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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