74480 Spencer St, Armada, MI 48005 Property Records

Macomb County property record for 74480 Spencer St, Armada, MI 48005

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,188 sqft · built 1928
Lot Size	0.196 acres (8,538 sqft)
Owner	Individual Name on File
Last Sale	$219,999 (Jan 2024)
Tax Bill	$2,744 (2025)
Deeds & Mortgages	Jan 2024 Sale Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-02-24-126-010`

Property Details

APN / Parcel Number

Primary APN	`25-02-24-126-010`
Alternative APN	`0224126010`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	792 sqft
Basement Area	920 sqft
Unfinished Basement	920 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	8,538 sqft (0.196 acres)
Lot Dimensions	95 ft deep x 90 ft wide
Porch	Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	74480 SPENCER ST
City	ARMADA
State	MI
Zip	48005-4640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V-R1
Legal Description	02 24 126 010 74480 SPENCER MI 48005 VILLAGE OF ARMADA ASSESSORS PLAT NO 3 PART OF LOT 18 DESC AS FOLL, BEG AT THE NW COR OF LOT 18, TH N 89 DEG 17' E 95.45 FT ALG THE N LINE OF SD LOT 18, TH S 0 DEG 13' W 90.0 FT ALG THE E LINE OF SD LOT 18, TH S 89
Legal Subdivision	VILLAGE
Legal Lot Number	18
Jurisdiction	MACOMB MI
Township / Civil Division	ARMADA
Census Block Group	2
Census Block	2000
Census Tract	212000

Owner

74480 Spencer St is owned and occupied by an individual who bought it in January 2024.

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

Owner of Record	Individual Name on File
Mailing Address	74480 SPENCER ST, ARMADA, MI 48005-4640
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
Jan 11, 2024	Warranty Deed, Transfer
Oct 16, 2019	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2024 · Amount on File
Deed Sale	Jan 11, 2024 · Amount on File
Prior Sale	Oct 16, 2019 · Amount on File
Deed Document Number	20243241
Deed Book / Page	29439 / 528
Prior Transfer Date	Jan 18, 2008
Prior Transfer Doc	0000010715
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jan 11, 2024
Property Address	74480 SPENCER ST, ARMADA, MI 48005-4640
Document Number	2400003241
Book / Page	29439 / 528
Map Reference	LB 16 PG 31
Instrument Date	Dec 29, 2023
Instrument	202400003241
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Amount	Amount on Record
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13900 LAKESIDE BLVD N APT 317, 317, SHELBY TOWNSHIP, MI 48315-6048

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Oct 16, 2019
Property Address	74480 SPENCER ST, ARMADA, MI 48005-4640
Document Number	0000116722
Book / Page	26265 / 906
Map Reference	LB 16 PG 31
Instrument Date	Sep 30, 2019
Instrument	9116722
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	DEVON TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,118.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74480 SPENCER ST, 74480, ARMADA, MI 48005-4640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74480 SPENCER ST, ARMADA, MI 48005-4640

Mortgage

Document Number	0000115989
Date	Oct 16, 2019
Instrument	9115989

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 74480 Spencer St was $2,744 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		$91,300	$182,600
2025	$2,744.00
2023		$72,800	$145,600
2022	$1,951.00

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 74480 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 74480 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.

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