4456 Palms Rd, Casco, MI 48064 Property Records

St. Clair County property record for 4456 Palms Rd, Casco, MI 48064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,976 sqft · built 1998
Lot Size	10 acres (436,471 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (May 2022)
Tax Bill	$2,871 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-12-014-3002-600`

Property Details

APN / Parcel Number

Primary APN	`74-12-014-3002-600`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,976 sqft Living Area
1st Floor Area	1,976 sqft
Basement Area	1,976 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Lot Area	436,471 sqft (10 acres)
Lot Dimensions	1,341 ft deep x 325 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4456 PALMS RD
City	CASCO
State	MI
Zip	48064-2714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	N 325.03' OF S 1390.12' OF E 1/2 OF SE 1/4 SEC 14 T4N R15E 10.02 A
Legal Range	15E
Legal Township	04N
Legal Section	14
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CASCO
Census Block Group	2
Census Block	2022
Census Tract	651100

Owner

Source: St. Clair County records, as of December 23, 2025

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	4456 PALMS RD, CASCO, MI 48064-2714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2022	Warranty Deed, Transfer · FHA Mortgage KAYE FINANCIAL CORP
Dec 7, 2021	Intrafamily Transfer, Transfer · FHA Mortgage KAYE FINANCIAL CORP
Apr 4, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Mar 26, 2019	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2022 · Amount on Record
Deed Sale	May 20, 2022 · Amount on Record
Prior Sale	Dec 7, 2021
Deed Document Number	202212622
Deed Book / Page	5523 / 918
Prior Transfer Date	Nov 11, 2021
Prior Transfer Doc	0000546084
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 20, 2022
Property Address	4456 PALMS RD, CASCO, MI 48064-2714
Document Number	0005523918
Book / Page	5523 / 918
Instrument Date	Mar 28, 2022
Instrument	2022012622
Transaction Type	Transfer
Record Updated	Jun 3, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4456 PALMS RD, 4456, CASCO, MI 48064-2714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4456 PALMS RD, CASCO, MI 48064-2714

Mortgage

Document Number	2022012623
Date	May 20, 2022
Instrument	2022012623

Lender

Name	KAYE FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2052

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 7, 2021
Property Address	4456 PALMS RD, CASCO, MI 48064-2714
Document Number	0000546084
Book / Page	5460 / 84
Instrument Date	Nov 11, 2021
Instrument	2021034260
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4456 PALMS RD, CASCO, MI 48064-2714

Mortgage

Document Number	2021034261
Date	Dec 7, 2021
Instrument	2021034261

Lender

Name	KAYE FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 4, 2019
Property Address	4456 PALMS RD, CASCO, MI 48064-2714
Document Number	0050430482
Book / Page	005043 / 000482
Instrument Date	Feb 28, 2019
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4456 PALMS RD CASCO MI 480642714, CASCO, MI 48064-2714

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 26, 2019
Property Address	4456 PALMS RD, CASCO, MI 48064-2714
Document Number	0005040838
Book / Page	5040 / 838
Instrument Date	Feb 28, 2019
Instrument	2019005298
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,591.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4456 PALMS RD, CASCO, MI 48064-2714

Mortgage

Document Number	2019005299
Date	Mar 26, 2019
Instrument	2019005299

Lender

Name	CALIBER HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,871.00 (-28.48%) Homeowner's exemption	$173,300 (+12.68%)
2024	$4,014.00 (+23.58%)		$346,600 (+12.68%)
2023		$153,800
2022	$3,248.00		$307,600

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

Flood

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	1 in force

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

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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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