St. Clair County property record for 7414 Harmony Dr, Ira, MI 48023
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,225 sqft · built 1991 |
| Lot Size | 0.242 acres (10,542 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,153 (2025) |
| Deeds & Mortgages | Nov 2023 Second Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-23-320-0011-000 |
| Primary APN | 74-23-320-0011-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,225 sqft Living Area |
| 1st Floor Area | 1,212 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Lot Area | 10,542 sqft (0.242 acres) |
| Lot Dimensions | 132 ft deep x 80 ft wide |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7414 HARMONY DR |
|---|---|
| City | IRA |
| State | MI |
| Zip | 48023-2419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 11 & S 20' OF LOT 12 HARMONY COURT SUBDIVISION |
| Legal Subdivision | HARMONY COURT SUBDIVISION |
| Legal Lot Number | 11-12 |
| Legal Unit | 11,12 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | IRA |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 650100 |
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 | Individual Name on File |
|---|---|
| Mailing Address | 7414 HARMONY DR, IRA, MI 48023-2419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MORTGAGE CENTER |
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 7414 HARMONY DR, IRA, MI 48023-2419 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2024 |
| Title Company | NATIONAL TITLE INSURANCE COMPANY, NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 7414 HARMONY DR, IRA, MI 48023-2419 |
| Document Number | 0005670212 |
|---|---|
| Date | Nov 13, 2023 |
| Book Page | 5670/212 |
| Instrument | 2023020029 |
| Name | MORTGAGE CENTER |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48076 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 7414 HARMONY DR, IRA, MI 48023-2419 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7414 HARMONY DR, IRA, MI 48023-2419 |
| Document Number | 0000547041 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 5470/41 |
| Instrument | 2021036273 |
| Name | MORTGAGE CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | FAIR HAVEN, MI 48023 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2042 |
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Ira Township |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $118,700 (+2.68%) | $237,400 (+2.68%) | |
| 2025 | $2,153.00 (+5.59%) Homeowner's exemption | $115,600 (+26.2%) | |
| 2024 | $2,039.00 (+9.62%) | $231,200 (+26.2%) | |
| 2023 | $91,600 | ||
| 2022 | $1,860.00 | $183,200 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 83% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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