4602 Howard Rd, Kimball (Smiths Creek), MI 48074 Property Records

St. Clair County property record for 4602 Howard Rd, Kimball, MI 48074

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,836 sqft · built 1952
Lot Size	8.58 acres (374,006 sqft)
Owner	2 Individual Names on File
Last Sale	$326,000 (Jul 2026)
Tax Bill	$2,321 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`74-25-745-0095-000`

Property Details

APN / Parcel Number

Primary APN	`74-25-745-0095-000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,836 sqft Living Area
1st Floor Area	1,836 sqft
Basement Area	1,752 sqft
Unfinished Basement	1,752 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Mansard
Roof Material	Composition Shingle
Lot Area	374,006 sqft (8.58 acres)
Lot Width	602 ft Width
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	4602 HOWARD RD
City	KIMBALL
State	MI
Zip	48074-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 RES
Legal Description	LOTS 14 & 15 BLOCK 7 EXC I- 69 R/W URBANREST SUBDIVISION OF THE FISH FARM ACCORDING TO THE PLAT RECORDED IN LIBER 14 OF PLATS
Legal Range	17E
Legal Township	06N
Legal Section	14
Legal Subdivision	R/W URBANREST SUBDIVISION
Legal Block	7
Legal Lot Number	14-15
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	KIMBALL
Census Block Group	2
Census Block	2011
Census Tract	634600

Owner

4602 Howard Rd is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	693 STURDEVANT RD, KIMBALL, MI 48074-3513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Jul 6, 2026	Warranty Deed, Transfer LIBERTY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2026 · Amount on File
Deed Sale	Jul 6, 2026 · Amount on File
Deed Document Number	202613584
Deed Book / Page	5940 / 594
Prior Transfer Date	Mar 17, 2006
Prior Transfer Doc	003556/008
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 25, 2026
Property Address	4602 HOWARD RD, KIMBALL, MI 48074-2115
Document Number	0000012922
Book / Page	5937 / 577
Instrument Date	Jun 23, 2026
Instrument	202612922
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	693 STURDEVANT RD, KIMBALL, MI 48074-3513

Mortgage

Document Number	0000012922,
Date	Jun 25, 2026
Book Page	5937/577
Instrument	202612922

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 6, 2026
Property Address	4602 HOWARD RD, KIMBALL, MI 48074-2115
Document Number	0000013584
Book / Page	5940 / 594
Instrument Date	Jun 23, 2026
Instrument	202613584
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Tax	$246,945.00
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	693 STURDEVANT RD, KIMBALL, MI 48074-3513

Tax Assessment & Valuation

The 2025 property tax bill for 4602 Howard Rd was $2,321 with a homeowner's exemption, up 6.9% 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	Kimball Township
Unified School District	Port Huron Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$124,700 (+4.18%)	$249,400
2025	$2,321.00 (+6.91%) Homeowner's exemption	$119,700
2024	$2,171.00		$239,400
2023		$115,100
2022	$1,939.00		$230,200

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

FEMA maps place 4602 Howard Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4602 Howard 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 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T.

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