7327 Palms Rd, Ira (Fair Haven), MI 48023 Property Records

St. Clair County property record for 7327 Palms Rd, Ira, MI 48023

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,789 sqft · built 1908
Lot Size	10.6 acres (464,350 sqft)
Owner	Individual Name on File
Last Sale	$217,500 (Oct 2022)
Tax Bill	$3,493 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-23-013-3013-001`

Property Details

APN / Parcel Number

Primary APN	`74-23-013-3013-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,789 sqft Living Area
1st Floor Area	1,789 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Ranch
Lot Area	464,350 sqft (10.6 acres)
Lot Dimensions	1,346 ft deep x 346 ft wide
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	7327 PALMS RD
City	IRA
State	MI
Zip	48023-2616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AEC
Legal Description	BEG S 0D 12M 10S E 653.63' FROM W 1/4 COR TH S 89D 32M 49S E 1346.36' TH S 0D 12M 17S E 343.15' TH N 89D 42M 30S W 1346.34'
Legal Range	15E
Legal Township	03N
Legal Section	13
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	IRA
Census Block Group	3
Census Block	3001
Census Tract	650100

Owner

7327 Palms Rd is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	7327 PALMS RD, IRA, MI 48023-2616
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
Nov 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 26, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2022 · Amount on File
Deed Sale	Oct 26, 2022 · Amount on File
Prior Sale	Jul 24, 2019 · Amount on File
Deed Document Number	202224400
Deed Book / Page	5573 / 703
Prior Transfer Date	Jun 20, 2016
Prior Transfer Doc	004719/503
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7327 PALMS RD, IRA, MI 48023-2616
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7327 PALMS RD, IRA, MI 48023-2616

Mortgage

Document Number	0000587496
Date	Nov 24, 2025
Book Page	5874/96
Instrument	2025022523

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 26, 2022
Property Address	7327 PALMS RD, IRA, MI 48023-2616
Document Number	0005573703
Book / Page	5573 / 703
Instrument Date	Oct 7, 2022
Instrument	2022024400
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	STERLING TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,631.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7327 PALMS RD, 7327, IRA, MI 48023-2616

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12297 TOPHITH RD, GRASS LAKE, MI 49240-9522

Mortgage

Document Number	2022024401
Date	Oct 26, 2022
Instrument	2022024401

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 7327 Palms Rd was $3,493 with a homeowner's exemption, up 2.3% 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	Ira Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$138,800 (+6.77%)	$277,600
2025	$3,493.00 (+2.31%) Homeowner's exemption	$130,000
2024	$3,414.00		$260,000
2023		$108,500
2022	$2,865.00		$217,000

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.

Flood

FEMA maps place 7327 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 7327 Palms 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Duke Broadband Fiber	1,000 / 100
Starlink Satellite	280 / 30

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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