520 15th St, Port Huron, MI 48060 Property Records

St. Clair County property record for 520 15th St, Port Huron, MI 48060

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,312 sqft · built 1913
Lot Size	0.104 acres (4,530 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Oct 2024)
Tax Bill	$2,482 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-06-722-0019-000`

Property Details

APN / Parcel Number

Primary APN	`74-06-722-0019-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,312 sqft Living Area
1st Floor Area	1,146 sqft
Basement Area	180 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Lot Area	4,530 sqft (0.104 acres)
Lot Dimensions	90.3 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 15TH ST
City	PORT HURON
State	MI
Zip	48060-4245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 20 WATERLOO'S SECOND ADDITION
Legal Subdivision	WATERLOOS SECOND ADD
Legal Lot Number	20
Legal Unit	20
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	PORT HURON
Census Block Group	2
Census Block	2016
Census Tract	623000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	520 15TH ST, PORT HURON, MI 48060-4245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 16, 2023	Fiduciary Deed, Transfer
Aug 12, 2022	Land Contract, Transfer · Land Contract NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2024 · Amount on Record
Deed Sale	Oct 22, 2024 · Amount on Record
Prior Sale	Nov 16, 2023 · Amount on Record
Deed Document Number	202418658
Deed Book / Page	5757 / 721
Prior Transfer Date	Aug 12, 2011
Prior Transfer Doc	004175/744
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	520 15TH ST, PORT HURON, MI 48060-4245
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 15TH ST, PORT HURON, MI 48060-4245

Mortgage

Document Number	0005859841
Date	Oct 10, 2025
Book Page	5859/841
Instrument	2025019278

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	6101 CONDOR DR # 200, MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Oct 1, 2054

November 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 16, 2023
Property Address	520 15TH ST, PORT HURON, MI 48060-4245
Document Number	0005671191
Book / Page	5671 / 191
Map Reference	LB 11 PG 110
Instrument Date	Nov 3, 2023
Instrument	2023020277
Transaction Type	Transfer
Record Updated	Jan 18, 2024

Transaction

Amount	Amount Recorded
Tax	$450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3835 CHERRY CREEK LN, STERLING HEIGHTS, MI 48314-1035

August 2022: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 12, 2022
Property Address	520 15TH ST, PORT HURON, MI 48060-4245
Document Number	0005551699
Book / Page	5551 / 699
Map Reference	LB 11 PG 110
Instrument Date	Mar 20, 2021
Instrument	2022019106
Transaction Type	Transfer
Record Updated	Aug 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3760 STATE RD, 3760, FORT GRATIOT, MI 48059-4063

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1307 MANSFIELD ST, PORT HURON, MI 48060-3019

Mortgage

Date	Aug 12, 2022

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
Municipality	Port Huron City
Unified School District	Port Huron Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$59,400 (+14.45%)	$118,800 (+14.45%)
2025	$2,482.00 (+9.82%) Homeowner's exemption	$51,900 (+38.03%)
2024	$2,260.00 (+71.34%)		$103,800 (+38.03%)
2023		$37,600
2022	$1,319.00		$75,200

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

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 99.1% of the US · lower than 98.4% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PORT HURON serves 28,983 people · EPA ID MI0005480
Water Source	Surface water
Last State Inspection	Nov 2021
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 615 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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