Sanilac County property record for 4076 Spencer Rd, Ubly, MI 48475
| Property Type | Single Family Home |
|---|---|
| Lot Size | 4.67 acres (203,425 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Oct 2017) |
| Tax Bill | $449 (2024) |
| Deeds & Mortgages | Jan 2026 Construction Loan Oct 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 130-013-400-010-03 |
| Primary APN | 130-013-400-010-03 |
|---|
| Lot Area | 203,425 sqft (4.67 acres) |
|---|
| Street Address | 4076 SPENCER RD |
|---|---|
| City | UBLY |
| State | MI |
| Zip | 48475-8714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T14N R 12E SEC 13 COM AT SE COR OF SEC TH S 85 DEG 56' 38 W 413.23 FT |
| Jurisdiction | SANILAC MI |
| Township / Civil Division | GREENLEAF |
| Census Block Group | 3 |
| Census Block | 3043 |
| Census Tract | 970200 |
Source: Sanilac County records, as of October 20, 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 | 4076 SPENCER RD, UBLY, MI 48475-8714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 23, 2026 | Deed of Trust, Mortgage · Construction Mortgage THUMB BANK & TRUST |
| Oct 10, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2017 · Amount on Record |
| Deed Sale | Oct 10, 2017 · Amount on Record |
| Deed Book / Page | 1350 / 829 |
| Prior Transfer Date | Sep 26, 2017 |
| Prior Transfer Doc | 01350/0829 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANILAC MI |
| Property Address | 4076 SPENCER RD, UBLY, MI 48475-8714 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4076 SPENCER RD, UBLY, MI 48475-8714 |
| Document Number | 001647/854 |
|---|---|
| Date | Jan 23, 2026 |
| Book Page | 1647/854 |
| Name | THUMB BANK & TRUST |
|---|---|
| Type | Bank |
| Address | PIGEON, MI 48755 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Oct 16, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANILAC MI |
| Recording Date | Oct 10, 2017 |
| Property Address | 4076 SPENCER RD, UBLY, MI 48475-8714 |
| Document Number | 01350/0829 |
| Book / Page | 1350 / 0829 |
| Instrument Date | Sep 26, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Sanilac County assessment roll, as of July 15, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Sanilac County |
| County Subdivision | Greenleaf Township |
| Unified School District | Ubly Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $275,000 (+117.74%) | $550,000 (+117.74%) | |
| 2025 | $126,300 (+63.6%) | $252,600 (+63.6%) | |
| 2024 | $449.00 (-27.11%) | ||
| 2023 | $77,200 | $154,400 | |
| 2022 | $616.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 9, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% 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: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TEC Fiber Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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