81185 Cole St, Memphis, MI 48041 Property Records

St. Clair County property record for 81185 Cole St, Memphis, MI 48041

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,146 sqft · built 1945
Lot Size	0.328 acres (14,288 sqft)
Owner	Individual Name on File
Last Sale	$182,000 (Jul 2017)
Tax Bill	$4,280 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-04-093-0001-000`

Property Details

APN / Parcel Number

Primary APN	`74-04-093-0001-000`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,146 sqft Living Area
1st Floor Area	1,269 sqft
Basement Area	1,170 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	14,288 sqft (0.328 acres)
Lot Dimensions	229 ft deep x 65 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	81185 COLE ST
City	MEMPHIS
State	MI
Zip	48041-4457
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 65 FT OF OUTLOT C MEAS ON W LOT LINE. ASSESSORS PLAT OF MEMPHIS
Legal Subdivision	ASSESSORS
Legal Lot Number	C
Legal Unit	C
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	MEMPHIS
Census Block Group	2
Census Block	2055
Census Tract	658500

Owner

81185 Cole St is owned and occupied by an individual who acquired it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	81185 COLE ST, MEMPHIS, MI 48041-4457
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
Apr 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jul 12, 2017	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2017 · Amount on File
Deed Sale	Jul 12, 2017 · Amount on File
Prior Sale	Aug 25, 2009 · Amount on File
Deed Document Number	201717136
Deed Book / Page	61 / 4848
Last Transfer Date	Mar 23, 2021
Transfer Doc	0005345101
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 1, 2021
Property Address	81185 COLE ST, MEMPHIS, MI 48041-4457
Document Number	0005345101
Book / Page	5345 / 101
Instrument Date	Mar 23, 2021
Instrument	2021009692
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81185 COLE ST, MEMPHIS, MI 48041-4457

Mortgage

Document Number	2021009691
Date	Apr 1, 2021
Instrument	2021009691

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2041

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 12, 2017
Property Address	81185 COLE ST, MEMPHIS, MI 48041-4457
Document Number	00061/4848
Book / Page	61 / 4848
Instrument Date	Jun 29, 2017
Instrument	2017017136
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81185 COLE ST, 81185, MEMPHIS, MI 48041-4457

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46227 WESTMINISTER DR, MACOMB, MI 48044-3389

Mortgage

Document Number	004848/062
Date	Jul 12, 2017
Book Page	4848/062
Instrument	2017017137

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 81185 Cole St was $4,280 with a homeowner's exemption, up 3.1% 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
Municipality	Memphis City
Unified School District	Memphis Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$110,500 (-6.83%)	$221,000
2025	$4,280.00 (+3.08%) Homeowner's exemption	$118,600
2024	$4,152.00		$237,200
2023		$105,600
2022	$3,787.00		$211,200

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

Flood

FEMA maps place 81185 Cole St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 81185 Cole 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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 MEMPHIS serves 1,084 people · EPA ID MI0004230
Water Source	Groundwater
Last State Inspection	Jan 2025

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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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