5865 Metcalf Rd, Clyde (North Street), MI 48049 Property Records

St. Clair County property record for 5865 Metcalf Rd, Clyde, MI 48049

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,240 sqft · built 2000
Lot Size	9.04 acres (393,782 sqft)
Owner	Individual Name on File
Last Sale	$219,500 (Nov 2017)
Tax Bill	$3,497 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-15-003-1008-000`

Property Details

APN / Parcel Number

Primary APN	`74-15-003-1008-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,240 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	393,782 sqft (9.04 acres)
Lot Dimensions	1,375 ft deep x 286 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5865 METCALF RD
City	CLYDE
State	MI
Zip	48049-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	E 1/2 OF NW 1/4 EXC S 1329' & EXC E 1024'. SECTION 3 T7N R16E 9.04 A
Legal Range	16E
Legal Township	07N
Legal Section	03
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLYDE
Census Block Group	2
Census Block	2002
Census Tract	633200

Owner

5865 Metcalf Rd is owned and occupied by an individual who bought it in November 2017.

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

Owner of Record	Individual Name on File
Mailing Address	5865 METCALF RD, CLYDE, MI 48049-1314
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 23, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Nov 1, 2017	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2017 · Amount on File
Deed Sale	Nov 1, 2017 · Amount on File
Prior Sale	Sep 21, 2009 · Amount on File
Deed Document Number	201725906
Prior Transfer Date	May 12, 2009
Prior Transfer Doc	3952/219
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	5865 METCALF RD, CLYDE, MI 48049-1314
Transaction Type	Mortgage
Record Updated	Sep 13, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5865 METCALF RD, CLYDE, MI 48049-1314

Mortgage

Document Number	5397927
Date	Jul 23, 2021
Book Page	5397/927
Instrument	2021021348

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	316 Months
Due	Nov 1, 2047

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 1, 2017
Property Address	5865 METCALF RD, CLYDE, MI 48049-1314
Document Number	0048850269
Book / Page	004885 / 000269
Instrument Date	Oct 19, 2017
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	ASK SERVICES INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50026 DEGAS DR CHESTERFIELD MI 480512442, CHESTERFIELD, MI 48051-2442

Mortgage

Document Number	48880561
Date	Nov 1, 2017
Book Page	004888/000561

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5865 Metcalf Rd was $3,497 with a homeowner's exemption, up 3% 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	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		$177,600 (+6.28%)	$355,200
2025	$3,497.00 (+3.03%) Homeowner's exemption	$167,100
2024	$3,394.00		$334,200
2023		$151,200
2022	$3,030.00		$302,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5865 Metcalf 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 5865 Metcalf 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	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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mercury Fiber Fiber · Fixed Wireless	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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