7380 Palms Rd, Ira (Fair Haven), MI 48023 Property Records

St. Clair County property record for 7380 Palms Rd, Ira, MI 48023

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,677 sqft · built 1992
Lot Size	11.9 acres (518,538 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Oct 2025)
Tax Bill	$7,766 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Oct 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-23-780-0056-300`

Property Details

APN / Parcel Number

Primary APN	`74-23-780-0056-300`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,677 sqft Living Area
1st Floor Area	2,677 sqft
Basement Area	2,677 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Lot Area	518,538 sqft (11.9 acres)
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7380 PALMS RD
City	IRA
State	MI
Zip	48023-2614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PART OF LOT 28, BEG S 0D 4M 30S W 1305.26' FROM ITS NE COR, TH S 0D 4M 30S W 600.86', TH S 89D 42M 30S W 906.53', TH N 2D 47M
Legal Subdivision	SUPRVRS BOWERS PALMS ROAD
Legal Lot Number	28
Legal Unit	28
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	IRA
Census Block Group	3
Census Block	3002
Census Tract	650100

Owner

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	2 Individual Names on File
Mailing Address	20760 BALINSKI DR, CLINTON TOWNSHIP, MI 48038-5629
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Oct 14, 2025	Correction Deed
Dec 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025 · Amount on File
Deed Sale	Oct 14, 2025 · Amount on File
Deed Document Number	202519521
Deed Book / Page	5860 / 824
Prior Transfer Date	May 30, 2025
Prior Transfer Doc	0005818775
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 14, 2025
Property Address	7380 PALMS RD, IRA, MI 48023-2614
Document Number	0005860824
Book / Page	5860 / 824
Map Reference	LB 52 PG 18
Instrument Date	Sep 8, 2025
Instrument	2025019521
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	CAPITAL TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22417 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20760 BALINSKI DR, CLINTON TOWNSHIP, MI 48038-5629

Mortgage

Document Number	0005860827
Date	Oct 14, 2025
Book Page	5860/827
Instrument	2025019522

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	8241 DOW CIR, STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

October 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 14, 2025
Property Address	7380 PALMS RD, IRA, MI 48023-2614
Document Number	0005860821
Book / Page	5860 / 821
Map Reference	LB 52 PG 18
Instrument Date	Aug 25, 2025
Instrument	2025019520
Record Updated	Oct 29, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 15, 2020
Property Address	7380 PALMS RD, IRA, MI 48023-2614
Document Number	0052880414
Book / Page	005288 / 000414
Instrument Date	Dec 15, 2020
Transaction Type	Transfer
Record Updated	Mar 18, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7380 PALMS RD IRA MI 480232614, IRA, MI 48023-2614

Tax Assessment & Valuation

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		$274,100 (+4.66%)	$548,200 (+4.66%)
2025	$7,766.00 (+64.88%) Homeowner's exemption	$261,900 (+24.24%)
2024	$4,710.00 (+9.08%)		$523,800 (+24.24%)
2023		$210,800
2022	$4,318.00		$421,600

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

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	IRA TOWNSHIP serves 6,510 people · EPA ID MI0003390
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL	50 / 10

May also be available: Duke Broadband, Xfinity.

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