7782 Silver Pointe Dr, Ira (Fair Haven), MI 48023 Property Records

St. Clair County property record for 7782 Silver Pointe Dr, Ira, MI 48023

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 3,228 sqft · built 2007
Lot Size	0.499 acres (21,736 sqft)
Owner	Individual Name on Record
Tax Bill	$6,200 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-23-140-0002-000`

Property Details

APN / Parcel Number

Primary APN	`74-23-140-0002-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,228 sqft Living Area
1st Floor Area	1,917 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	21,736 sqft (0.499 acres)
Lot Dimensions	418 ft deep x 52 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7782 SILVER POINTE DR
City	IRA
State	MI
Zip	48023-2437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU
Legal Description	E'LY 8' OF LOT 17 & PART OF LOT 16 HENRY HAMLIN'S PLAT N0. 1 & PART OF LOT 2 IRA TOWNSHIP ASSESSOR'S PLAT NO. 1 BEG N 63D 26M
Legal Subdivision	ASSESSORS
Legal Lot Number	2,16-17
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	IRA
Census Block Group	1
Census Block	1008
Census Tract	650200

Owner

Source: St. Clair County records, as of September 17, 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	7782 SILVER POINTE DR, IRA, MI 48023-2437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Line of Credit ALLIANCE CATHOLIC CU
Apr 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7782 SILVER POINTE DR, IRA, MI 48023-2437
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7782 SILVER POINTE DR, IRA, MI 48023-2437

Mortgage

Document Number	0005313533
Date	Feb 4, 2021
Book Page	5313/533
Instrument	2021003291

Lender

Name	ALLIANCE CATHOLIC CU
Type	Credit Union
Address	TAYLOR, MI 48180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jan 28, 2041

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7782 SILVER POINTE DR, IRA, MI 48023-2437
Document Number	0048280369
Book / Page	004828 / 000369
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7782 SILVER POINTE DR IRA MI 480232437, IRA, MI 48023-2437

Mortgage

Document Number	0048280369
Date	May 8, 2017
Book Page	004828/000369

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501-2848

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 7, 2022

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Ira Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$424,600 (+7.71%)	$849,200 (+7.71%)
2025	$6,200.00 (+2.33%) Homeowner's exemption	$394,200 (+16.21%)
2024	$6,059.00 (+9.07%)		$788,400 (+16.21%)
2023		$339,200
2022	$5,555.00		$678,400

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 July 20, 2022 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 120 policies
Nearby Flood Policies	120 in force
Nearby Flood Claims	219 (1978–2026)
Claims Outside the SFHA	60 of 219
Most Recent Claim	Apr 2026 · rainfall accumulation

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	Not rated no burnable land within 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	IRA TOWNSHIP serves 6,510 people · EPA ID MI0003390
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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