6975 Palms Rd, Ira (Fair Haven), MI 48023 Property Records

St. Clair County property record for 6975 Palms Rd, Ira, MI 48023

Property Summary

Property Type	General Agricultural/Rural
Details	4,402 sqft · built 1900
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on File
Last Sale	$99,500 (Sep 2018)
Tax Bill	$8,793 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Sep 2023 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`74-23-012-3005-000`

Property Details

APN / Parcel Number

Primary APN	`74-23-012-3005-000`

Interior

Stories	2 Stories
Building Area	4,402 sqft Total Area
1st Floor Area	3,070 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	1,742,400 sqft (40 acres)
Lot Dimensions	2,640 ft deep x 660 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6975 PALMS RD
City	IRA
State	MI
Zip	48023-2215
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	AEC
Legal Description	S 1/2 OF S 1/2 OF SW 1/4 SECTION 12 T3N R15E 40 A
Legal Range	15E
Legal Township	03N
Legal Section	12
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	IRA
Census Block Group	3
Census Block	3000
Census Tract	650100

Owner

6975 Palms Rd, an agricultural property, is owned and occupied by an individual who acquired it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	6975 PALMS RD, IRA, MI 48023-2215
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
Mar 23, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Sep 1, 2023	Intrafamily Transfer, Transfer
Aug 29, 2022	Intrafamily Transfer, Transfer
Feb 12, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Nov 19, 2020	Deed of Trust, Mortgage QUICKEN LOANS LLC
Dec 6, 2018	Deed of Trust, Mortgage QUICKEN LNS
Apr 9, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2018 · Amount on File
Deed Sale	Sep 10, 2018 · Amount on File
Prior Sale	Apr 9, 2018 · Amount on File
Deed Document Number	201820278
Deed Book / Page	4986 / 517
Last Transfer Date	Aug 25, 2023
Transfer Doc	0005650722
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	6975 PALMS RD, IRA, MI 48023-2215
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6975 PALMS RD, IRA, MI 48023-2215

Mortgage

Document Number	0005907806
Date	Mar 23, 2026
Book Page	5907/806
Instrument	2026005266

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	1 CITIZENS PLZ, PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 17, 2051

Interest

Change Frequency	Monthly

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 1, 2023
Property Address	6975 PALMS RD, IRA, MI 48023-2215
Document Number	0005650722
Book / Page	5650 / 722
Instrument Date	Aug 25, 2023
Instrument	2023015462
Transaction Type	Transfer
Record Updated	Sep 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6975 PALMS RD, IRA, MI 48023-2215

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6975 PALMS RD, IRA, MI 48023-2215

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 29, 2022
Property Address	6975 PALMS RD, IRA, MI 48023-2215
Document Number	0005556821
Book / Page	5556 / 821
Instrument Date	Aug 26, 2022
Instrument	2022020278
Transaction Type	Transfer
Record Updated	Sep 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6975 PALMS RD, 6975, IRA, MI 48023-2215

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	6975 PALMS RD, IRA, MI 48023-2215

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	6975 PALMS RD, IRA, MI 48023-2215
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6975 PALMS RD, IRA, MI 48023-2215

Mortgage

Document Number	0053180597
Date	Feb 12, 2021
Book Page	5318/597
Instrument	2021004291

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jan 19, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	6975 PALMS RD, IRA, MI 48023-2215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051010233
Date	Sep 26, 2019
Book Page	5101/233
Instrument	2019019931

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Sep 12, 2044

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	6975 PALMS RD, IRA, MI 48023-2215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6975 PALMS RD, IRA, MI 48023-2215

Mortgage

Document Number	0052740836
Date	Nov 19, 2020
Book Page	5274/836
Instrument	2020029145

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	6975 PALMS RD, IRA, MI 48023-2215
Document Number	0050160395
Instrument Date	Dec 6, 2018
Transaction Type	Mortgage
Record Updated	Dec 27, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6975 PALMS RD IRA MI 480232215, IRA, MI 48023-2215

Mortgage

Document Number	0050160395
Date	Dec 13, 2018
Book Page	005016/000395

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 9, 2018
Property Address	6975 PALMS RD, IRA, MI 48023-2215
Document Number	0049320634
Book / Page	004932 / 000634
Instrument Date	Mar 7, 2018
Transaction Type	Transfer
Record Updated	May 15, 2018
Title Company	TITLE SOURCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,376.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6975 PALMS RD IRA MI 480232215, IRA, MI 48023-2215

Mortgage

Document Number	49320636
Date	Apr 9, 2018
Book Page	004932/000636

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 6975 Palms Rd was $8,793 with a homeowner's exemption, up 3.2% 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	Ira Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$434,900 (+16.53%)	$869,800
2025	$8,793.00 (+3.18%) Homeowner's exemption	$373,200
2024	$8,522.00		$746,400
2023		$290,300
2022	$4,995.00		$580,600

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

Flood

FEMA maps place 6975 Palms Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1982.

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 Claims	5 (1982–1987)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Dec 1987 · tidal / storm surge

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 6975 Palms 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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Duke Broadband Fiber	1,000 / 100

May also be available: Xfinity.

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