74815 Spencer St, Armada, MI 48005 Property Records

Macomb County property record for 74815 Spencer St, Armada, MI 48005

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,261 sqft · built 1900
Lot Size	1.01 acres (44,039 sqft)
Owner	Individual Name on Record
Last Sale	$52,000 (Sep 2010)
Tax Bill	$2,043 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`25-02-24-102-026`

Property Details

APN / Parcel Number

Primary APN	`25-02-24-102-026`
Alternative APN	`0224102026`

Interior

Full Baths	2 Baths
Building Area	1,261 sqft Living Area
1st Floor Area	1,107 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Lot Area	44,039 sqft (1.01 acres)
Lot Dimensions	398 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	74815 SPENCER ST
City	ARMADA
State	MI
Zip	48005-4646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V-R1
Legal Description	13-02-24-102-026 74815 SPENCER ASSESSOR'S PLAT NO 3, PT OF LOT 38 DESC AS; COMM SE COR LOT 38; TH ALG E LOT LN N00-13-00E 112.0 FT TO POB; TH EXT N 00 DEG 13' E 110.68 FT ALG E/L LOT 38; TH S 87 DEG 25' 30" W 398.29 FT TO W/L LOT 38; TH S 00 DEG 07'2
Legal Subdivision	ASSESSORS PLAT #3
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	Individual Name on Record
Mailing Address	74815 SPENCER ST, ARMADA, MI 48005-4646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2010 · Amount on Record
Deed Sale	Sep 2, 2010 · Amount on Record
Prior Sale	Jun 8, 2009 · Amount on Record
Deed Document Number	2010100418
Deed Book / Page	20398 / 896
Prior Transfer Date	Jul 19, 2010
Prior Transfer Doc	0000088198
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	74815 SPENCER ST, ARMADA, MI 48005-4646
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031834
Date	Mar 17, 2020
Book Page	26579/298
Instrument	2031834

Lender

Name	YES HOME SERVICES
Type	Non-Lending Institution
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$127,700 (+26.19%)	$255,400 (+26.19%)
2025	$2,043.00 (+16.48%)
2023		$101,200	$202,400
2022	$1,754.00

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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