St. Clair County property record for 686 Miller Rd, Riley, MI 48041
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,464 sqft · built 1995 |
| Lot Size | 6.65 acres (289,674 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $390,000 (Jan 2022) |
| Tax Bill | $6,306 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jan 2022 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-29-030-4004-300 |
| Primary APN | 74-29-030-4004-300 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,464 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 1,232 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Lot Area | 289,674 sqft (6.65 acres) |
| Lot Depth | 1,362 ft Depth |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 686 MILLER RD |
|---|---|
| City | RILEY |
| State | MI |
| Zip | 48041-3420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | BEG S 1078.18' FROM W 1/4 COR, TH S 209.08', TH S 89D 52M E 1397.4', TH N 0D 52M 17S W 209.08', TH N 89D 52M W 1393.77' TO |
| Legal Range | 14E |
| Legal Township | 06N |
| Legal Section | 30 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | RILEY |
| Census Block Group | 1 |
| Census Block | 1082 |
| Census Tract | 658500 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 686 MILLER RD, RILEY, MI 48041-3420 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2022 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 26, 2022 | Warranty Deed, Transfer PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC |
| Jun 25, 2021 | Intrafamily Transfer, Transfer · VA Mortgage MICHIGAN MUTUAL INC |
| Oct 16, 2020 | Loan Modification, Mortgage · Conventional with PMI PENNYMAC |
| Aug 22, 2017 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 26, 2022 · Amount on Record |
| Deed Sale | Jan 26, 2022 · Amount on Record |
| Prior Sale | Jun 25, 2021 |
| Deed Document Number | 20222148 |
| Deed Book / Page | 5479 / 854 |
| Prior Transfer Date | Jun 18, 2021 |
| Prior Transfer Doc | 5385142 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 686 MILLER RD, RILEY, MI 48041-3420 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 77881 OMO RD, ARMADA, MI 48005-2134 |
| Document Number | 0005471689 |
|---|---|
| Date | Jan 5, 2022 |
| Book Page | 5471/689 |
| Instrument | 2022000299 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 26, 2022 |
| Property Address | 686 MILLER RD, RILEY, MI 48041-3420 |
| Document Number | 0005479854 |
| Book / Page | 5479 / 854 |
| Instrument Date | Dec 30, 2021 |
| Instrument | 2022002148 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2022 |
| Title Company | PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 686 MILLER RD, 686, RILEY, MI 48041-3420 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 686 MILLER RD, RILEY, MI 48041-3420 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jun 25, 2021 |
| Property Address | 686 MILLER RD, RILEY, MI 48041-3420 |
| Document Number | 5385142 |
| Book / Page | 5385 / 142 |
| Instrument Date | Jun 18, 2021 |
| Instrument | 2021018753 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2021 |
| Title Company | ATA NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 686 MILLER RD, RILEY, MI 48041-3420 |
| Document Number | 2021018754 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 2021018754 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 686 MILLER RD, RILEY, MI 48041-3420 |
| Document Number | 0052790317 |
| Instrument Date | Oct 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 686 MILLER RD APPLEGATE MI 48401, APPLEGATE, MI 48401 |
| Document Number | 0052790317 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 005279/000317 |
| Name | PENNYMAC |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Rate | 3.12% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 686 MILLER RD, RILEY, MI 48041-3420 |
| Document Number | 0048710801 |
| Instrument Date | Aug 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 686 MILLER RD RILEY MI 480413420, RILEY, MI 48041-3420 |
| Document Number | 0048710801 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 004871/000801 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | Armada Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $250,100 (+6.2%) | $500,200 (+6.2%) | |
| 2025 | $6,306.00 (+3.85%) Homeowner's exemption | $235,500 (+17.87%) | |
| 2024 | $6,072.00 (+10.46%) | $471,000 (+17.87%) | |
| 2023 | $199,800 | ||
| 2022 | $5,497.00 | $399,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 89% 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 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
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