St. Clair County property record for 4074 Gratiot Ave, Port Huron, MI 48060
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 2,649 sqft · built 1927 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $12,954 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Mar 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-06-404-0017-000 |
| Primary APN | 74-06-404-0017-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 2,649 sqft Living Area |
| 1st Floor Area | 1,552 sqft |
| Basement Area | 1,376 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 300 ft deep x 50 ft wide |
| Garage Area | 952 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4074 GRATIOT AVE |
|---|---|
| City | PORT HURON |
| State | MI |
| Zip | 48060-1531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 18 GRATIOT BEACH |
| Legal Subdivision | GRATIOT BEACH |
| Legal Lot Number | 18 |
| Legal Unit | 18 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | PORT HURON |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 629000 |
4074 Gratiot Ave is owned and occupied by an individual who acquired it in December 2015.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4074 GRATIOT AVE, PORT HURON, MI 48060-1531 |
| 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 |
|---|---|
| Sep 15, 2025 | Deed of Trust, Mortgage · Line of Credit EASTERN MICHIGAN BANK |
| Mar 13, 2023 | Deed of Trust, Mortgage · Line of Credit EASTERN MICHIGAN BANK |
| Jul 27, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 26, 2015 |
| Transfer Doc | 004672/623 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 4074 GRATIOT AVE, PORT HURON, MI 48060-1531 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4074 GRATIOT AVE, PORT HURON, MI 48060-1531 |
| Document Number | 0005850521 |
|---|---|
| Date | Sep 15, 2025 |
| Book Page | 5850/521 |
| Instrument | 2025017280 |
| Name | EASTERN MICHIGAN BANK |
|---|---|
| Type | Bank |
| Address | 65 N HOWARD AVE, CROSWELL, MI 48422 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 3, 2026 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 4074 GRATIOT AVE, PORT HURON, MI 48060-1531 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4074 GRATIOT AVE, PORT HURON, MI 48060-1531 |
| Document Number | 0005604581 |
|---|---|
| Date | Mar 13, 2023 |
| Book Page | 5604/581 |
| Instrument | 2023004005 |
| Name | EASTERN MICHIGAN BANK |
|---|---|
| Type | Bank |
| Address | CROSWELL, MI 48422 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Mar 2, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jul 27, 2022 |
| Property Address | 4074 GRATIOT AVE, PORT HURON, MI 48060-1531 |
| Document Number | 0005546143 |
| Book / Page | 5546 / 143 |
| Map Reference | LB 6 PG 60 |
| Instrument Date | Jul 8, 2022 |
| Instrument | 2022017843 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4071 GRATIOT AVE, FORT GRATIOT, MI 48059-3919 |
The 2025 property tax bill for 4074 Gratiot Ave was $12,954 with a homeowner's exemption, up 2.5% 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 | $321,700 (-0.77%) | $643,400 | |
| 2025 | $12,954.00 (+2.52%) Homeowner's exemption | $324,200 | |
| 2024 | $12,636.00 | $648,400 | |
| 2023 | $279,800 | ||
| 2022 | $12,149.00 | $559,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4074 Gratiot Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2021 · 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 4074 Gratiot Ave 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 98% of the US · lower than 95% 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 105 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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