St. Clair County property record for 6755 Mels Dr, Ruby, MI 48049 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1967 |
| Square Footage | 1,664 sqft Living Area |
| Lot Size | 14,985 sqft (0.344 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $177,000 (2021) |
| Tax Bill | $924.00 (2025) |
| Primary APN | 74-15-150-0022-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,664 sqft Living Area |
| 1st Floor | 1,664 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Lot Area | 14,985 sqft (0.344 acres) |
| Depth X Width | 200 ft x 75 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 416 sqft Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 6755 MELS DR |
|---|---|
| City | RUBY |
| State | MI |
| Zip | 48049-2322 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 22 ALBERT SUBD. SEC 17 T7N R16E |
| Legal Range | 16E |
| Legal Township | 07N |
| Legal Section | 17 |
| Legal Subdivision | ALBERT SUBD |
| Legal Lot Number | 22 |
| Legal Unit | 22 |
| Jurisdiction | SAINT CLAIR MI |
| Minor Civil Division | CLYDE |
| Census Blockgroup | 2 |
| Census Block | 2042 |
| Census Tract | 633200 |
Source: St. Clair County records · APN 74-15-150-0022-000
Assessment roll updated October 7, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6755 MELS DR, RUBY, MI 48049-2322 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 16, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Mar 18, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jan 17, 2017 | Quit Claim Deed, Transfer Quitclaim Document |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 18, 2021 · Amount on Record |
| Deed Sale | Mar 18, 2021 · Amount on Record |
| Deed Doc Number | 20217868 |
| Deed Book / Page | 5336 / 672 |
| Prior Transfer Date | Jan 12, 2017 |
| Prior Transfer Doc | 004790/654 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 6755 MELS DR, RUBY, MI 48049-2322 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 6755 MELS DR, RUBY, MI 48049-2322 |
| Investor | Possibly a Property Investor |
| Document Number | 0005861494 |
|---|---|
| Date | Oct 16, 2025 |
| Book Page | 5861/494 |
| Instrument | 2025019652 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD, BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Mar 18, 2021 |
| Property Address | 6755 MELS DR, RUBY, MI 48049-2322 |
| Document Number | 0005336672 |
| Book / Page | 5336 / 672 |
| Map Reference | LB 55 PG 31 |
| Instrument Date | Mar 03, 2021 |
| Instrument | 2021007868 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | TRANSNATION TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,327.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 765 PARKS RD, 765, WALES, MI 48027-3821 |
| Name | Verified Name |
|---|---|
| Address | 9852 WESTWINDS DR, IRA, MI 48023-2808 |
| Investor | Possibly a Property Investor |
| Document Number | 0005330830 |
|---|---|
| Date | Mar 08, 2021 |
| Book Page | 5330/830 |
| Instrument | 2021006676 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 17, 2017 |
| Property Address | 6755 MELS DR, RUBY, MI 48049-2322 |
| Document Number | 0047900654 |
| Book / Page | 004790 / 000654 |
| Instrument Date | Jan 12, 2017 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 6755 MELS DR RUBY MI 480492322, RUBY, MI 48049-2322 |
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clyde Township |
| Unified School District | Yale Public Schools (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $924.00 (-57.24%) Homeowner's exemption | $87,200 (+9.41%) | |
| 2024 | $2,161.00 (+9.75%) | $174,400 (+9.41%) | |
| 2023 | $79,700 | ||
| 2022 | $1,969.00 | $159,400 |
6755 Mels Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · St. Clair County (26147C), updated July 20, 2022
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 52nd in Michigan |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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