74735 Spencer St, Armada, MI 48005 Property Records

Macomb County property record for 74735 Spencer St, Armada, MI 48005

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,164 sqft · built 1878
Lot Size	0.603 acres (26,267 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Jun 2022)
Tax Bill	$2,752 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-02-24-102-013`

Property Details

APN / Parcel Number

Primary APN	`25-02-24-102-013`
Alternative APN	`0224102013`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,164 sqft Living Area
1st Floor Area	1,164 sqft
Basement Area	1,220 sqft
Unfinished Basement	1,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1878
Effective Year Built	Effective 1878
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	26,267 sqft (0.603 acres)
Lot Dimensions	398 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	120 sqft
Patio Area	1,060 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	74735 SPENCER ST
City	ARMADA
State	MI
Zip	48005-4636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V-R1
Legal Description	02 24 102 013 74735 SPENCER MI 48005 VILLAGE OF ARMADA ASSESSORS PLAT NO 3 LOTS 36 & 37.
Legal Subdivision	VILLAGE
Legal Lot Number	36-37
Jurisdiction	MACOMB MI
Township / Civil Division	ARMADA
Census Block Group	2
Census Block	2001
Census Tract	212000

Owner

74735 Spencer St is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	74735 SPENCER ST, ARMADA, MI 48005-4636
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
Jun 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 29, 2022	Warranty Deed, Transfer
Dec 13, 2021	Warranty Deed, Transfer CHIRCO TITLE AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2022 · Amount on File
Deed Sale	Jun 29, 2022 · Amount on File
Prior Sale	Dec 13, 2021 · Amount on File
Deed Document Number	202280962
Deed Book / Page	28684 / 908
Prior Transfer Date	May 30, 2008
Prior Transfer Doc	0000071471
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	74735 SPENCER ST, ARMADA, MI 48005-4636
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26911 IRWIN RD, RICHMOND, MI 48062-2614

Mortgage

Document Number	2200078472
Date	Jun 24, 2022
Book Page	28672/832
Instrument	202200078472

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jun 29, 2022
Property Address	74735 SPENCER ST, ARMADA, MI 48005-4636
Document Number	2200080962
Book / Page	28684 / 908
Map Reference	LB 16 PG 31
Instrument Date	Jun 10, 2022
Instrument	202200080962
Transaction Type	Transfer
Record Updated	Jul 14, 2022

Transaction

Amount	Amount on Record
Tax	$1,162.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8602 SHORT CUT RD, 8602, IRA, MI 48023-2015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74735 SPENCER ST, ARMADA, MI 48005-4636

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Dec 13, 2021
Property Address	74735 SPENCER ST, ARMADA, MI 48005-4636
Document Number	2102287834
Book / Page	28285 / 603
Map Reference	LB 16 PG 31
Instrument Date	Nov 30, 2021
Instrument	202102287834
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	CHIRCO TITLE AGENCY INC

Transaction

Amount	Amount on Record
Tax	$1,012.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74031 FULTON ST, 74031, ARMADA, MI 48005-7713

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	8602 SHORT CUT RD, IRA, MI 48023-2015

Tax Assessment & Valuation

The 2025 property tax bill for 74735 Spencer St was $2,752 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		$85,100	$170,200
2025	$2,752.00
2023		$77,000	$154,000
2022	$2,853.00

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 74735 Spencer St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 74735 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 97% of the US · lower than 93% 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 67 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

May also be available: Verizon.

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