420 Palms Rd, Columbus, MI 48063 Property Records

St. Clair County property record for 420 Palms Rd, Columbus, MI 48063

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,698 sqft · built 2023
Lot Size	2.32 acres (101,451 sqft)
Owner	2 Individual Names on File
Last Sale	$37,000 (Jun 2022)
Tax Bill	$7,955 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit May 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-16-002-3004-250`

Property Details

APN / Parcel Number

Primary APN	`74-16-002-3004-250`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,698 sqft Living Area
1st Floor Area	2,698 sqft
Basement Area	2,698 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	101,451 sqft (2.32 acres)
Lot Dimensions	336 ft deep x 302 ft wide
Garage Area	676 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	420 PALMS RD
City	COLUMBUS
State	MI
Zip	48063-1511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRICUL
Legal Description	BEG N 0D 15M 21S W 346' FROM SE SEC COR, TH N 0D 15M 21S W 302.49', TH S 88D 14M 44S W 336.61', TH S 0D 19M 45S E 303.18', TH
Legal Range	15E
Legal Township	05N
Legal Section	02
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	COLUMBUS
Census Block Group	3
Census Block	3027
Census Tract	651600

Owner

420 Palms Rd is owned and occupied by two individuals who bought it in June 2022.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	420 PALMS RD, COLUMBUS, MI 48063-1511
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
May 4, 2022	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Jun 10, 2022	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2022 · Amount on File
Deed Sale	Jun 10, 2022 · Amount on File
Deed Document Number	202214213
Deed Book / Page	5531 / 81
Prior Transfer Date	Apr 18, 2022
Prior Transfer Doc	0000553181
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	420 PALMS RD, COLUMBUS, MI 48063-1511
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2853 FILSWORTH RD, COLUMBUS, MI 48063

Mortgage

Document Number	0005570537
Date	Oct 14, 2022
Book Page	5570/537
Instrument	2022023588

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49512

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Sep 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	420 PALMS RD, COLUMBUS, MI 48063-1511
Transaction Type	Mortgage
Record Updated	Sep 13, 2022
Title Company	HURON TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2853 ELLSWORTH RD, COLUMBUS, MI 48063-4405

Mortgage

Document Number	0005517840
Date	May 4, 2022
Book Page	5517/840
Instrument	2022011254

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	May 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 10, 2022
Property Address	420 PALMS RD, COLUMBUS, MI 48063-1511
Document Number	0000553181
Book / Page	5531 / 81
Instrument Date	Apr 18, 2022
Instrument	2022014213
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$277.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	416 PALMS RD, 416, COLUMBUS, MI 48063-1511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2853 ELLSWORTH RD, COLUMBUS, MI 48063-4405

Tax Assessment & Valuation

The 2025 property tax bill for 420 Palms Rd was $7,955 with a homeowner's exemption, up 3.2% from the year before.

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Columbus Township
Unified School District	East China School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$379,600 (+1,300.74%)	$759,200
2025	$7,955.00 (+3.24%) Homeowner's exemption	$27,100
2024	$7,705.00		$54,200
2023		$22,400
2022	$467.00		$44,800

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

Flood

FEMA maps place 420 Palms Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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	2 in force
Nearby Flood Claims	2 (1996–2016)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2016 · other causes

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

Wildfire risk around 420 Palms Rd 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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3
Frontier DSL	10 / 1

May also be available: Verizon.

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