74775 Spencer St, Armada, MI 48005 Property Records

Macomb County property record for 74775 Spencer St, Armada, MI 48005

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,971 sqft · built 1989
Lot Size	1.02 acres (44,562 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,736 (2025)
Deeds & Mortgages	May 2026 Sale Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-02-24-102-027`

Property Details

APN / Parcel Number

Primary APN	`25-02-24-102-027`
Alternative APN	`0224102027`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,971 sqft Living Area
1st Floor Area	1,971 sqft
Basement Area	1,385 sqft
Unfinished Basement	1,385 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Lot Area	44,562 sqft (1.02 acres)
Lot Dimensions	398 ft deep x 112 ft wide
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	74775 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	13-02-24-102-027 74775 SPENCER ST MI48005 ASSESSOR'S PLAT NO 3 PT OF LOT 38 DESC AS; BEG AT SE COR LOT 38; TH N 00 DEG 13' E 112.0 FT ALG E/L LOT 38; TH S 89 DEG 17' 00" W 397.71 FT TO W/L LOT 38; TH S 00 DEG 07' 22" W 112.0 FT ALG W/L LOT 38; TH N 8
Legal Subdivision	A P 03 ARMADA VILL
Legal Lot Number	38
Jurisdiction	MACOMB MI
Township / Civil Division	ARMADA
Census Block Group	2
Census Block	2001
Census Tract	212000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	74775 SPENCER ST, ARMADA, MI 48005-4636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Apr 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION ONE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 19, 2025
Transfer Doc	0000044247
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MACOMB MI
Recording Date	May 7, 2026
Property Address	74775 SPENCER ST, ARMADA, MI 48005-4636
Document Number	0000044247
Book / Page	30651 / 252
Instrument Date	Dec 19, 2025
Instrument	202644247
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	74775 SPENCER ST, ARMADA, MI 48005-4636

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	74775 SPENCER ST, ARMADA, MI 48005-4636
Transaction Type	Mortgage
Record Updated	May 13, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74775 SPENCER ST, ARMADA, MI 48005-4636

Mortgage

Document Number	2200056245
Date	Apr 27, 2022
Book Page	28574/577
Instrument	202200056245

Lender

Name	CREDIT UNION ONE
Type	Credit Union
Address	FERNDALE, MI 48220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

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		$219,600 (+9.8%)	$439,200 (+9.8%)
2025	$3,736.00 (+16.46%) Homeowner's exemption	$200,000 (+16.21%)	$400,000 (+16.21%)
2023		$172,100	$344,200
2022	$3,208.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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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