5528 Vincent Rd, Clyde (North Street), MI 48049 Property Records

St. Clair County property record for 5528 Vincent Rd, Clyde, MI 48049

Property Summary

Property Type	Residential Vacant Land
Details	3 bd · 3.5 ba · 2,392 sqft
Lot Size	9.46 acres (412,078 sqft)
Owner	2 Individual Names on Record
Last Sale	$57,000 (Aug 2017)
Tax Bill	$4,351 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jul 2019 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`74-15-002-4004-000`

Property Details

APN / Parcel Number

Primary APN	`74-15-002-4004-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,392 sqft Living Area
1st Floor Area	1,595 sqft
Basement Area	1,595 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	412,078 sqft (9.46 acres)
Lot Dimensions	1,320 ft deep x 312 ft wide
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	VINCENT RD
City	NORTH STREET
State	MI
Zip	48049
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RA
Legal Description	N 312.05' OF S 652.05' OF SW 1/4 OF SW 1/4 9.46 A SEC 2 T7N R16E
Legal Range	16E
Legal Township	07N
Legal Section	02
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLYDE
Census Block Group	2
Census Block	2005
Census Tract	633200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5528 VINCENT RD, CLYDE, MI 48049-1408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Deed of Trust, Mortgage · Line of Credit ADVIA CU
Jul 3, 2019	Deed of Trust, Mortgage · Construction Mortgage CHEMICAL BANK
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER LLC
Oct 1, 2020	Loan Modification, Mortgage CHEMICAL BK
Aug 17, 2017	Warranty Deed, Transfer · Line of Credit FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2017 · Amount on Record
Deed Sale	Aug 17, 2017 · Amount on Record
Deed Document Number	201719755
Deed Book / Page	4859 / 146
Prior Transfer Date	Nov 2, 2015
Prior Transfer Doc	0046540255
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	5528 VINCENT RD, CLYDE, MI 48049-1408
Transaction Type	Mortgage
Record Updated	Jul 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 VINCENT RD, CLYDE, MI 48049-1408

Mortgage

Document Number	0005628605
Date	Jun 12, 2023
Book Page	5628/605
Instrument	2023010421

Lender

Name	ADVIA CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 11, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	5528 VINCENT RD, CLYDE, MI 48049-1408
Transaction Type	Mortgage
Record Updated	Sep 13, 2022
Title Company	HURON TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005071706
Date	Jul 3, 2019
Book Page	5071/706
Instrument	2019013413

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.5%
Index	1-Year LIBOR

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	5528 VINCENT RD, CLYDE, MI 48049-1408
Transaction Type	Mortgage
Record Updated	Sep 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 VINCENT RD, CLYDE, MI 48049-1408

Mortgage

Document Number	0005472768
Date	Jan 7, 2022
Book Page	5472/768
Instrument	2022000570

Lender

Name	MORTGAGE CENTER LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAINT CLAIR MI
Property Address	5528 VINCENT RD, CLYDE, MI 48049-1408
Document Number	0052840521
Instrument Date	Oct 1, 2020
Transaction Type	Mortgage
Record Updated	Jan 18, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5528 VINCENT RD CLYDE MI 480491408, CLYDE, MI 48049-1408

Mortgage

Document Number	0052840521
Date	Dec 8, 2020
Book Page	005284/000521

Lender

Name	CHEMICAL BK
Type	Bank
Address	SAINT JOSEPH, MI 49085

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 17, 2017
Property Address	5528 VINCENT RD, CLYDE, MI 48049-1408
Document Number	0048590146
Book / Page	004859 / 000146
Instrument Date	Jul 25, 2017
Transaction Type	Transfer
Record Updated	Sep 12, 2017
Title Company	CHIRCO TITLE AGENCY INC, CHIRCO TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4720 TIMBER LODGE DR CLYDE MI 480494577, CLYDE, MI 48049-4577

Mortgage

Document Number	48590149
Date	Aug 17, 2017
Book Page	004859/000149

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	EAST LANSING, MI 48823

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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
2026		$257,200 (+33.82%)	$514,400 (+33.82%)
2025	$4,351.00 (+1.94%) Homeowner's exemption	$192,200 (+11.03%)
2024	$4,268.00 (+11.26%)		$384,400 (+11.03%)
2023		$173,100
2022	$3,836.00		$346,200

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

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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Mercury Fiber Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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