7963 River Rd, Cottrellville (Marine City), MI 48039 Property Records

St. Clair County property record for 7963 River Rd, Cottrellville, MI 48039

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,814 sqft · built 1930
Lot Size	0.415 acres (18,077 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,425 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-17-518-0009-000`

Property Details

APN / Parcel Number

Primary APN	`74-17-518-0009-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	3,814 sqft Living Area
1st Floor Area	1,942 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	18,077 sqft (0.415 acres)
Lot Depth	360 ft Depth
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7963 RIVER RD
City	COTTRELLVILLE
State	MI
Zip	48039-3338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 RES
Legal Description	LOT 13 ANGUS MCLEANS SUBD OF SLY PART OF PC 568
Legal Subdivision	ANGUS MCLEANS SUBD
Legal Lot Number	13
Legal Unit	13
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	COTTRELLVILLE
Census Block Group	3
Census Block	3004
Census Tract	645000

Owner

7963 River Rd is owned and occupied by two individuals who acquired it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	7963 RIVER RD, COTTRELLVILLE, MI 48039-3338
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Apr 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 20, 2025
Transfer Doc	0005849642
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7963 RIVER RD, COTTRELLVILLE, MI 48039-3338
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7963 RIVER RD, COTTRELLVILLE, MI 48039-3338

Mortgage

Document Number	0005514997
Date	Apr 26, 2022
Book Page	5514/997
Instrument	2022010635

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7963 RIVER RD, COTTRELLVILLE, MI 48039-3338
Document Number	0049230737
Instrument Date	Feb 28, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7963 RIVER RD COTTRELLVILLE MI 480393338, COTTRELLVILLE, MI 48039-3338

Mortgage

Document Number	0049230737
Date	Mar 8, 2018
Book Page	004923/000737

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 7, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 7963 River Rd was $5,425 with a homeowner's exemption, up 7% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Cottrellville Township
Unified School District	East China School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$270,200 (+3.56%)	$540,400
2025	$5,425.00 (+7.02%) Homeowner's exemption	$260,900
2024	$5,069.00		$521,800
2023		$219,700
2022	$4,763.00		$439,400

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

Flood

FEMA maps place 7963 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 30 policies
Nearby Flood Policies	30 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 7963 River Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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	CITY OF ALGONAC serves 4,110 people · EPA ID MI0000110
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	3 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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures