4195 Vincent Rd, Clyde (North Street), MI 48049 Property Records

St. Clair County property record for 4195 Vincent Rd, Clyde, MI 48049

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,248 sqft · built 1970
Lot Size	1.97 acres (85,813 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (May 2026)
Tax Bill	$1,854 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`74-15-022-2012-100`

Property Details

APN / Parcel Number

Primary APN	`74-15-022-2012-100`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	85,813 sqft (1.97 acres)
Lot Dimensions	470 ft deep x 182 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4195 VINCENT RD
City	CLYDE
State	MI
Zip	48049-3208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	BEG AT E 1/4 COR, TH N 183', TH N 89D 22M W 471', TH S 182.72', TH S 89D 19M 56S E 471' TO BEG SECTION 22 T7N R16E 1.97A
Legal Range	16E
Legal Township	07N
Legal Section	22
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLYDE
Census Block Group	3
Census Block	3003
Census Tract	633100

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	2 Individual Names on Record
Mailing Address	18704 KENDELL CT, CLINTON TOWNSHIP, MI 48035-2558
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
May 27, 2026	Warranty Deed, Transfer HURON TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Deed Document Number	202610556
Deed Book / Page	5927 / 721
Prior Transfer Date	Nov 8, 2007
Prior Transfer Doc	003783/491
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	May 18, 2026
Property Address	4195 VINCENT RD, CLYDE, MI 48049-3208
Document Number	0000010022
Book / Page	5925 / 132
Instrument Date	May 15, 2026
Instrument	202610022
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	HURON TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010022,
Date	May 18, 2026
Book Page	5925/132
Instrument	202610022

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 27, 2026
Property Address	4195 VINCENT RD, CLYDE, MI 48049-3208
Document Number	0000010556
Book / Page	5927 / 721
Instrument Date	May 13, 2026
Instrument	202610556
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	HURON TITLE

Transaction

Amount	Amount Recorded
Tax	$189,375.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	Clyde Township
Unified School District	Port Huron Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$130,800 (+5.65%)	$261,600 (+5.65%)
2025	$1,854.00 (+2.37%) Homeowner's exemption	$123,800 (+24.55%)
2024	$1,811.00 (+22.95%)		$247,600 (+24.55%)
2023		$99,400
2022	$1,473.00		$198,800

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

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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 28 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	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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