74778 Spencer St, Armada, MI 48005 Property Records

Macomb County property record for 74778 Spencer St, Armada, MI 48005

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,087 sqft · built 1953
Lot Size	0.281 acres (12,240 sqft)
Owner	Individual Name on File
Last Sale	$172,000 (Sep 2021)
Tax Bill	$2,766 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-02-24-126-005`

Property Details

APN / Parcel Number

Primary APN	`25-02-24-126-005`
Alternative APN	`0224126005`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,087 sqft Living Area
1st Floor Area	1,087 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Wood Siding
Lot Area	12,240 sqft (0.281 acres)
Lot Dimensions	153 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	74778 SPENCER ST
City	ARMADA
State	MI
Zip	48005-4642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V-R1
Legal Description	02 24 126 005 74778 SPENCER MI 48005 VILLAGE OF ARMADA ASSESSORS PLAT NO 3 PART OF LOT 6 DESC AS FOLL, COMM AT NW COR LOT 6, TH S 0 DEG 13' W 217.65 FT TO PT OF BEG, TH N 89 DEG 02' E 153.0 FT, TH S 0 DEG 13' W 80.0 FT, TH S 89 DEG 02' W 153.0 FT, TH
Legal Subdivision	VILLAGE
Legal Lot Number	6
Jurisdiction	MACOMB MI
Township / Civil Division	ARMADA
Census Block Group	2
Census Block	2000
Census Tract	212000

Owner

74778 Spencer St is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	74778 SPENCER ST, ARMADA, MI 48005-4642
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
Feb 21, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Sep 2, 2021	Warranty Deed, Transfer · FHA Mortgage SIMPLE HOME LENDING LLC
Jul 11, 2019	Warranty Deed, Transfer SIMPLE HM LNDG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2021 · Amount on File
Deed Sale	Sep 2, 2021 · Amount on File
Prior Sale	Jul 11, 2019 · Amount on File
Deed Document Number	20212231381
Deed Book / Page	27971 / 24
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	74778 SPENCER ST, ARMADA, MI 48005-4642
Transaction Type	Mortgage
Record Updated	Mar 14, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74778 SPENCER ST, ARMADA, MI 48005-4642

Mortgage

Document Number	2300013711
Date	Feb 21, 2023
Book Page	29013/868
Instrument	202300013711

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Sep 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Sep 2, 2021
Property Address	74778 SPENCER ST, ARMADA, MI 48005-4642
Document Number	2102231381
Book / Page	27971 / 24
Map Reference	LB 16 PG 31
Instrument Date	Aug 6, 2021
Instrument	202102231381
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	CAPITOL TITLE COMPANY INC, CAPITAL TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74778 SPENCER ST, 74778, ARMADA, MI 48005-4642

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74778 SPENCER ST, ARMADA, MI 48005-4642

Mortgage

Document Number	2102231382
Date	Sep 2, 2021
Instrument	202102231382

Lender

Name	SIMPLE HOME LENDING LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jul 11, 2019
Property Address	74778 SPENCER ST, ARMADA, MI 48005-4642
Document Number	0000076959
Book / Page	026064 / 000384
Instrument Date	Jun 28, 2019
Instrument	76959
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,238.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	74778 SPENCER ST ARMADA MI 480054642, ARMADA, MI 48005-4642

Mortgage

Document Number	75278
Date	Jul 11, 2019
Book Page	026057/000666
Instrument	75278

Lender

Name	SIMPLE HM LNDG LLC
Address	SHELBY TOWNSHIP, MI 48315

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 74778 Spencer St was $2,766 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		$101,900	$203,800
2025	$2,766.00
2023		$80,700	$161,400
2022	$2,375.00

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 74778 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 74778 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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