7187 Phillips Rd, Clyde (North Street), MI 48049 Property Records

St. Clair County property record for 7187 Phillips Rd, Clyde, MI 48049

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,596 sqft · built 1995
Lot Size	5.2 acres (226,512 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Apr 2026)
Tax Bill	$1,411 (2025)
Deeds & Mortgages	Sep 2024 Line of Credit Apr 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`74-15-018-4001-800`

Property Details

APN / Parcel Number

Primary APN	`74-15-018-4001-800`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,596 sqft Living Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Lot Area	226,512 sqft (5.2 acres)
Lot Dimensions	635 ft deep x 363 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7187 PHILLIPS RD
City	CLYDE
State	MI
Zip	48049-2215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	W 333' OF E 626.5' OF NW 1/4 OF SE 1/4 LYING S OF PHILLIPS ROAD SECTION 18T7N R16E 5.3 A
Legal Range	16E
Legal Township	07N
Legal Section	01
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLYDE
Census Block Group	2
Census Block	2045
Census Tract	633200

Owner

Source: St. Clair County records · APN 74-15-018-4001-800

Assessment roll updated October 7, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	745 PAULINE DR, LAPEER, MI 48446-3355
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2024	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Apr 20, 2026	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE
Apr 22, 2026	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE
Apr 10, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 07, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Nov 20, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Prior Sale	Nov 20, 2019 · Amount on Record
Deed Document Number	20268305
Deed Book / Page	5917 / 440
Prior Transfer Date	Apr 09, 2026
Prior Transfer Doc	0005914354
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7187 PHILLIPS RD, CLYDE, MI 48049-2215
Transaction Type	Mortgage
Record Updated	May 06, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7187 PHILLIPS RD, CLYDE, MI 48049-2215
Investor	Possibly a Property Investor

Mortgage

Document Number	0005746184
Date	Sep 13, 2024
Book Page	5746/184
Instrument	2024016125

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	1850 E PARIS AVE SE, GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 20, 2026
Property Address	7187 PHILLIPS RD, CLYDE, MI 48049-2215
Document Number	0000008190
Book / Page	5916 / 890
Instrument Date	Apr 15, 2026
Instrument	20268190
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 PAULINE DR, LAPEER, MI 48446-3355
Investor	Possibly a Property Investor

Mortgage

Document Number	0000008190,
Date	Apr 20, 2026
Book Page	5916/890
Instrument	20268190

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 22, 2026
Property Address	7187 PHILLIPS RD, CLYDE, MI 48049-2215
Document Number	0005917440
Book / Page	5917 / 440
Instrument Date	Apr 15, 2026
Instrument	2026.8305
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	UNIVERSITY TITLE INC, UNIVERSITY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$284,062.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 PAULINE DR, LAPEER, MI 48446-3355
Investor	Possibly a Property Investor

Mortgage

Document Number	0000008305,
Date	Apr 22, 2026
Instrument	2026.8305

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate	6.11%
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 10, 2026
Property Address	7187 PHILLIPS RD, CLYDE, MI 48049-2215
Document Number	0005914354
Book / Page	5914 / 354
Instrument Date	Apr 09, 2026
Instrument	20267233
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7187 PHILLIPS RD, CLYDE, MI 48049-2215
Investor	Possibly a Property Investor

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 07, 2022
Property Address	7187 PHILLIPS RD, CLYDE, MI 48049-2215
Document Number	0005484261
Book / Page	5484 / 261
Instrument Date	Jan 28, 2021
Instrument	2022003095
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7187 PHILLIPS RD, CLYDE, MI 48049-2215

Mortgage

Document Number	2022003096
Date	Feb 07, 2022
Instrument	2022003096

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Nov 01, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 20, 2019
Property Address	7187 PHILLIPS RD, CLYDE, MI 48049-2215
Document Number	0005122912
Book / Page	5122 / 912
Instrument Date	Nov 19, 2019
Instrument	2019024535
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount Recorded
Tax	$1,935.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3177 BEACH RD, PORT HURON, MI 48060-1767
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Clyde Township
Unified School District	Yale Public Schools (KG - 12)

Tax Bill & Assessment History

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	$1,411.00 (-57.27%) Homeowner's exemption	$142,200 (+11.7%)
2024	$3,302.00 (+9.77%)		$284,400 (+11.7%)
2023		$127,300
2022	$3,008.00		$254,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 20, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mercury Broadband Fixed Wireless	150 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Frontier, Verizon, Xfinity.

Based on FCC filings for 18 locations within half a mile of this property.

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