74306 Spencer St, Armada, MI 48005 Property Records

Macomb County property record for 74306 Spencer St, Armada, MI 48005

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,042 sqft · built 1939
Lot Size	0.295 acres (12,850 sqft)
Owner	Individual Name on File
Last Sale	$229,900 (Dec 2021)
Tax Bill	$3,250 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-02-24-154-002`

Property Details

APN / Parcel Number

Primary APN	`25-02-24-154-002`
Alternative APN	`0224154002`

Interior

Full Baths	2 Baths
Building Area	1,042 sqft Living Area
1st Floor Area	841 sqft
Basement Area	806 sqft
Unfinished Basement	806 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Wood Siding
Lot Area	12,850 sqft (0.295 acres)
Lot Dimensions	155 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	1,147 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	74306 SPENCER ST
City	ARMADA
State	MI
Zip	48005-4639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V-R1
Legal Description	QC L3345 P497 7/81 02 24 154 002 74305 SPENCER MI 48005 VILLAGE OF ARMADA HIRAM BARROWS SECOND ADDITION LOT 20 ALSO THAT 1/2 OF THE VACATED ALLEY ADJ BACK OF LOT
Legal Subdivision	HIRAM BARROWS SECOND ADD
Legal Lot Number	20
Jurisdiction	MACOMB MI
Township / Civil Division	ARMADA
Census Block Group	2
Census Block	2007
Census Tract	212000

Owner

74306 Spencer St is owned and occupied by an individual who bought it in December 2021.

Source: Macomb County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	74306 SPENCER ST, ARMADA, MI 48005-4639
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
Dec 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Dec 7, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE
Dec 21, 2018	Quit Claim Deed, Transfer DEVON TITLE COMPANY, DEVON TITLE AGENCY
Dec 27, 2018	Warranty Deed, Transfer DEVON TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2021 · Amount on File
Deed Sale	Dec 7, 2021 · Amount on File
Prior Sale	Dec 27, 2018 · Amount on File
Deed Document Number	20212283322
Deed Book / Page	28261 / 559
Prior Transfer Date	Dec 29, 2009
Prior Transfer Doc	0000006715
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	74306 SPENCER ST, ARMADA, MI 48005-4639
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74306 SPENCER ST, ARMADA, MI 48005-4639

Mortgage

Document Number	2102280143
Date	Dec 2, 2021
Book Page	28242/195
Instrument	202102280143

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Dec 7, 2021
Property Address	74306 SPENCER ST, ARMADA, MI 48005-4639
Document Number	2102283322
Book / Page	28261 / 559
Map Reference	LB 51 PG 1
Instrument Date	Nov 18, 2021
Instrument	202102283322
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74306 SPENCER ST, 74306, ARMADA, MI 48005-4639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74306 SPENCER ST, ARMADA, MI 48005-4639

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MACOMB MI
Recording Date	Dec 21, 2018
Property Address	74306 SPENCER ST, ARMADA, MI 48005-4639
Document Number	0000138975
Book / Page	025739 / 000240
Instrument Date	Dec 11, 2018
Instrument	138975
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74306 SPENCER ST ARMADA MI 480054639, ARMADA, MI 48005-4639

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Dec 27, 2018
Property Address	74306 SPENCER ST, ARMADA, MI 48005-4639
Document Number	0000139866
Book / Page	25743 / 428
Instrument Date	Dec 11, 2018
Instrument	8139866
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	DEVON TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$1,358.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74305 SPENCER ST, 74305, ARMADA, MI 48005-4633

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74306 SPENCER ST, ARMADA, MI 48005-4639

Tax Assessment & Valuation

The 2025 property tax bill for 74306 Spencer St was $3,250 with a homeowner's exemption.

Source: Macomb County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Armada Village
County	Macomb County
County Subdivision	Armada Township
Unified School District	Armada Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,400 (+9.04%)	$238,800 (+9.04%)
2025	$3,250.00 Homeowner's exemption	$109,500	$219,000
2023		$94,700	$189,400
2022	$2,791.00

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 74306 Spencer St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 4, 2026 · 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 Policies	2 in force

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 74306 Spencer St 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.

Drinking Water

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

Water System	VILLAGE OF ARMADA serves 1,794 people · EPA ID MI0000240
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate resolved · Jul 2025
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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Spencer St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures