St. Clair County property record for 646 Kinney Rd, Riley, MI 48041
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,331 sqft · built 1979 |
| Lot Size | 10.3 acres (452,588 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,775 (2025) |
| Deeds & Mortgages | Mar 2024 Second Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-29-025-4012-000 |
| Primary APN | 74-29-025-4012-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,331 sqft Living Area |
| 1st Floor Area | 2,317 sqft |
| Basement Area | 2,317 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Lot Area | 452,588 sqft (10.3 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Heating System | Space Heater |
|---|
| Street Address | 646 KINNEY RD |
|---|---|
| City | RILEY |
| State | MI |
| Zip | 48041-3905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | W 1320 FT OF SW 1/4 EXC N 897.6 FT & EXC S 1437.65 FT. 10.39 A SEC 25 T6N R14E |
| Legal Range | 14E |
| Legal Township | 06N |
| Legal Section | 25 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | RILEY |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 658500 |
646 Kinney Rd is owned and occupied by an individual.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 646 KINNEY RD, RILEY, MI 48041-3905 |
| 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.
| Date | Document |
|---|---|
| Mar 27, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jul 16, 2021 | Deed of Trust, Mortgage QUICKEN LOANS LLC |
| Jul 14, 2017 | Deed of Trust, Mortgage · Line of Credit LAKESTONE BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 646 KINNEY RD, RILEY, MI 48041-3905 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 646 KINNEY RD, RILEY, MI 48041-3905 |
| Document Number | 0005700518 |
|---|---|
| Date | Mar 27, 2024 |
| Book Page | 5700/518 |
| Instrument | 2024004890 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 646 KINNEY RD, RILEY, MI 48041-3905 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Title Company | JBN TITLE, JB TITLE |
| Name | Verified Name |
|---|---|
| Address | 646 KINNEY RD, RILEY, MI 48041-3905 |
| Document Number | 5393700 |
|---|---|
| Date | Jul 16, 2021 |
| Book Page | 5393/700 |
| Instrument | 2021020480 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 646 KINNEY RD, RILEY, MI 48041-3905 |
| Document Number | 0048520349 |
| Instrument Date | Jul 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 646 KINNEY RD RILEY MI 480413905, RILEY, MI 48041-3905 |
| Document Number | 0048520349 |
|---|---|
| Date | Jul 24, 2017 |
| Book Page | 004852/000349 |
| Name | LAKESTONE BK&TR |
|---|---|
| Address | LAPEER, MI 48446 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 23, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
The 2025 property tax bill for 646 Kinney Rd was $2,775 with a homeowner's exemption, up 2.9% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Riley Township |
| Unified School District | Memphis Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $187,800 (+5.68%) | $375,600 | |
| 2025 | $2,775.00 (+2.85%) Homeowner's exemption | $177,700 | |
| 2024 | $2,698.00 | $355,400 | |
| 2023 | $152,200 | ||
| 2022 | $2,446.00 | $304,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 646 Kinney 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 risk around 646 Kinney Rd is low, with less than 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 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.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
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