74840 Spencer St, Armada, MI 48005 Property Records

Macomb County property record for 74840 Spencer St, Armada, MI 48005

Property Summary

Property Type	Single Family Home
Details	1 ba · 672 sqft · built 1954
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (May 2010)
Tax Bill	$1,174 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-02-24-126-002`

Property Details

APN / Parcel Number

Primary APN	`25-02-24-126-002`
Alternative APN	`0224126002`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	672 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Brick
Roof Type	Gable
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	153 ft deep x 57 ft wide
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	67 sqft
Patio Area	770 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	74840 SPENCER ST
City	ARMADA
State	MI
Zip	48005-4726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V-R1
Legal Description	02 24 126 002 74840 SPENCER MI 48005 VILLAGE OF ARMADA ASSESSORS PLAT NO 3 PART OF LOT 6 DESC AS FOLL, BEG AT NW COR LOT 6, TH E 153 FT ALG N LINE LOT 6, TH S 0 DEG 13' W 57 FT, TH W 153 FT PARA WITH N LINE LOT 6, TH N 0 DEG 13' E 57 FT TO PT OF BEG.
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

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	74840 SPENCER ST, ARMADA, MI 48005-4726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2010 · Amount on Record
Deed Sale	May 3, 2010 · Amount on Record
Prior Sale	Apr 21, 2003 · Amount on Record
Deed Document Number	201054398
Deed Book / Page	20241 / 975
Prior Transfer Date	Feb 8, 2010
Prior Transfer Doc	0000024937
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	74840 SPENCER ST, ARMADA, MI 48005-4726
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74840 SPENCER ST, ARMADA, MI 48005-4726

Mortgage

Document Number	2102267490
Date	Nov 5, 2021
Book Page	28179/62
Instrument	202102267490

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount Recorded
Term	178 Months
Due	Sep 1, 2036

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		$74,300 (+28.32%)	$148,600 (+28.32%)
2025	$1,174.00 (+16.47%)
2023		$57,900	$115,800
2022	$1,008.00

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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