5396 Smiths Creek Rd, Kimball (Smiths Creek), MI 48074 Property Records

St. Clair County property record for 5396 Smiths Creek Rd, Kimball, MI 48074

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,562 sqft · built 1968
Lot Size	0.849 acres (36,982 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Jun 2024)
Tax Bill	$4,393 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-25-026-4016-000`

Property Details

APN / Parcel Number

Primary APN	`74-25-026-4016-000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,562 sqft Living Area
1st Floor Area	984 sqft
Basement Area	1,004 sqft
Unfinished Basement	1,004 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Tri-Level
Exterior Material	Wood Siding
Roof Type	Mansard
Roof Material	Composition Shingle
Lot Area	36,982 sqft (0.849 acres)
Lot Dimensions	297 ft deep x 112 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool Type
Pool Area	630 sqft
Porch	Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5396 SMITHS CREEK RD
City	KIMBALL
State	MI
Zip	48074-3807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	E 112 FT OF W 1134.61 FT OF S 330 FT OF SW 1/4 0.85 A SEC 26 T6N R16E
Legal Range	16E
Legal Township	06N
Legal Section	26
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	KIMBALL
Census Block Group	5
Census Block	5015
Census Tract	634600

Owner

5396 Smiths Creek Rd is owned and occupied by two individuals who bought it in June 2024.

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	2 Individual Names on File
Mailing Address	5396 SMITHS CREEK RD, KIMBALL, MI 48074-3807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · Line of Credit MICHIGAN SCHOOLS & GOVERNMENT CU
Aug 2, 2021	Deed of Trust, Mortgage · VA Mortgage EVERETT FINANCIAL INC
Jan 25, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2024 · Amount on File
Deed Sale	Jun 21, 2024 · Amount on File
Prior Sale	Jan 25, 2017 · Amount on File
Deed Document Number	202410864
Deed Book / Page	5722 / 829
Prior Transfer Date	May 7, 2012
Prior Transfer Doc	004253/175
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	5396 SMITHS CREEK RD, KIMBALL, MI 48074-3807
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40400 GARFIELD ROAD, SMITHS CREEK, MI 48074

Mortgage

Document Number	0005866795
Date	Nov 3, 2025
Book Page	5866/795
Instrument	2025020917

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	40400 GARFIELD RD, CLINTON TOWNSHIP, MI 48038

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Oct 30, 2050

Interest

Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	5396 SMITHS CREEK RD, KIMBALL, MI 48074-3807
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5396 SMITHS CREEK RD, KIMBALL, MI 48074-3807

Mortgage

Document Number	5401615
Date	Aug 2, 2021
Book Page	5401/615
Instrument	2021022170

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 25, 2017
Property Address	5396 SMITHS CREEK RD, KIMBALL, MI 48074-3807
Document Number	004793/607
Book / Page	4793 / 607
Instrument Date	Jan 11, 2017
Instrument	2017002185
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5396 SMITHS CREEK RD, KIMBALL, MI 48074-3807
Investor	Possibly a Property Investor

Mortgage

Document Number	0047930609
Date	Jan 25, 2017
Book Page	4793/609
Instrument	2017002186

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5396 Smiths Creek Rd was $4,393 with a homeowner's exemption, up 57.7% 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	Marysville Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$150,500 (+6.06%)	$301,000
2025	$4,393.00 (+57.74%) Homeowner's exemption	$141,900
2024	$2,785.00		$283,800
2023		$127,700
2022	$2,528.00		$255,400

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 5396 Smiths Creek 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 5396 Smiths Creek Rd is low, with 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 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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