5092 N River Rd, Clyde (North Street), MI 48049 Property Records

St. Clair County property record for 5092 N River Rd, Clyde, MI 48049

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,728 sqft
Lot Size	1.79 acres (78,190 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Sep 2020)
Tax Bill	$2,716 (2024)
Deeds & Mortgages	Sep 2020 Sale Aug 2020 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`74-15-375-0044-200`

Property Details

APN / Parcel Number

Primary APN	`74-15-375-0044-200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,728 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Modular
Lot Area	78,190 sqft (1.79 acres)
Lot Dimensions	206 ft deep x 378 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	74153750044200
Street Address	5092 N RIVER RD
City	CLYDE
State	MI
Zip	48049-4564
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	R-1
Legal Description	E 375' OF LOT 80 & LOT 91 JAMES H. PIERCE SUBDIVSION NO. 2
Legal Subdivision	SUBD
Legal Lot Number	80,91
Legal Unit	80,91
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLYDE
Census Block Group	2
Census Block	2005
Census Tract	633100

Owner

Source: St. Clair County records, as of October 6, 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
Co-owner	Co-owner on Record
Mailing Address	5092 N RIVER RD, CLYDE, MI 48049-4564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2020	Warranty Deed, Transfer STERLING TITLE AGENCY
Aug 10, 2020	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE 1 AT SUBURBAN
Aug 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage WILDFIRE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2020 · Amount on Record
Deed Sale	Sep 24, 2020 · Amount on Record
Prior Sale	Aug 19, 2005 · Amount on Record
Deed Document Number	2020022980
Deed Book / Page	5244 / 587
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 24, 2020
Property Address	5092 N RIVER RD, CLYDE, MI 48049-4564
Document Number	0005244587
Book / Page	5244 / 587
Map Reference	LB 70 PG 8-10
Instrument Date	Aug 10, 2020
Instrument	2020022980
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	STERLING TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,162.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18431 HUNTERS GLEN RD, 18431, NORTH FORT MYERS, FL 33917-4758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5092 N RIVER RD, CLYDE, MI 48049-4564

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	5092 N RIVER RD, CLYDE, MI 48049-4564
Document Number	0052260910
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11450 DUNN RD RILEY MI 480411404, RILEY, MI 48041-1404

Mortgage

Document Number	0052260910
Date	Aug 17, 2020
Book Page	005226/000910

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	43456 MOUND RD, STERLING HEIGHTS, MI 48314-2080

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	5092 N RIVER RD, CLYDE, MI 48049-4564
Document Number	0050950085
Instrument Date	Aug 29, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5092 N RIVER RD CLYDE MI 480494564, CLYDE, MI 48049-4564

Mortgage

Document Number	0050950085
Date	Sep 10, 2019
Book Page	005095/000085

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 9, 2039

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 2025

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
2025		$147,100 (+30.76%)
2024	$2,716.00 (+12%)		$294,200 (+30.76%)
2023		$112,500
2022	$2,425.00		$225,000

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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	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 137 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Mercury Fiber.

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