686 Gavin Rd, Columbus, MI 48063 Property Records

St. Clair County property record for 686 Gavin Rd, Columbus, MI 48063

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,659 sqft · built 1997
Lot Size	4.08 acres (177,768 sqft)
Owner	Individual Name on File
Tax Bill	$2,616 (2025)
Deeds & Mortgages	May 2021 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-16-009-2002-200`

Property Details

APN / Parcel Number

Primary APN	`74-16-009-2002-200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,659 sqft Living Area
1st Floor Area	1,659 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	177,768 sqft (4.08 acres)
Lot Dimensions	711 ft deep x 250 ft wide
Garage Area	576 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	686 GAVIN RD
City	COLUMBUS
State	MI
Zip	48063-1911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRICUL
Legal Description	BEG N 360.52' FROM E 1/4 COR, TH N 84D 35M 35S W 708.66', TH N 254.20', TH S 84D 15M 20S E 709.07', TH S 250' TO BEG. SECTION
Legal Range	15E
Legal Township	05N
Legal Section	09
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	COLUMBUS
Census Block Group	3
Census Block	3013
Census Tract	651600

Owner

686 Gavin Rd is owned and occupied by an individual.

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	Individual Name on File
Mailing Address	686 GAVIN RD, COLUMBUS, MI 48063-1911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
Sep 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOV'T CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	686 GAVIN RD, COLUMBUS, MI 48063-1911
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 GAVIN RD, COLUMBUS, MI 48063-1911

Mortgage

Document Number	5369517
Date	May 24, 2021
Book Page	5369/517
Instrument	2021015457

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	686 GAVIN RD, COLUMBUS, MI 48063-1911
Document Number	0048780686
Book / Page	004878 / 000686
Instrument Date	Sep 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	686 GAVIN RD COLUMBUS MI 480631911, COLUMBUS, MI 48063-1911

Mortgage

Document Number	0048780686
Date	Oct 11, 2017
Book Page	004878/000686

Lender

Name	MICHIGAN SCHOOLS & GOV'T CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 10, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 686 Gavin Rd was $2,616 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	Columbus Township
Unified School District	Richmond Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$172,700 (+1.53%)	$345,400
2025	$2,616.00 (+3.03%) Homeowner's exemption	$170,100
2024	$2,539.00		$340,200
2023		$138,600
2022	$2,328.00		$277,200

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

Flood

FEMA maps place 686 Gavin Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1996–2016)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2016 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 686 Gavin 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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