81325 Cole St, Memphis, MI 48041 Property Records

St. Clair County property record for 81325 Cole St, Memphis, MI 48041

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,298 sqft · built 1955
Lot Size	0.526 acres (22,913 sqft)
Owner	Individual Name on File
Tax Bill	$3,100 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-04-093-0009-000`

Property Details

APN / Parcel Number

Primary APN	`74-04-093-0009-000`

Interior

Full Baths	1 Bath
Building Area	1,298 sqft Living Area
1st Floor Area	1,298 sqft
Basement Area	1,298 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Lot Area	22,913 sqft (0.526 acres)
Lot Dimensions	229 ft deep x 100 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	81325 COLE ST
City	MEMPHIS
State	MI
Zip	48041-4479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 100 FT OF S 455 FT, MEAS ON W LOT LINE OF W 229 FT OF OUTLOT C. 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

81325 Cole St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	81325 COLE ST, MEMPHIS, MI 48041-4479
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
Sep 14, 2026	Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE
Apr 12, 2017	Warranty Deed, Transfer GRECO TITLE AGENCY LLC
Mar 31, 2017	Deed of Trust, Mortgage · VA Mortgage CALIBRE HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 14, 2026
Property Address	81325 COLE ST, MEMPHIS, MI 48041-4479
Document Number	0000018639
Book / Page	5964 / 367
Instrument Date	Sep 1, 2026
Instrument	202618639
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81325 COLE ST, MEMPHIS, MI 48041-4479

Mortgage

Document Number	0000018639,
Date	Sep 14, 2026
Book Page	5964/367
Instrument	202618639

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 29, 2046

Interest

Max Rate	-1%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 12, 2017
Property Address	81325 COLE ST, MEMPHIS, MI 48041-4479
Document Number	0048180230
Book / Page	004818 / 000230
Instrument Date	Mar 31, 2017
Transaction Type	Transfer
Record Updated	Jun 1, 2017
Title Company	GRECO TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$808.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31010 COLE ST MEMPHIS MI 48041, MEMPHIS, MI 48041

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	81325 COLE ST, MEMPHIS, MI 48041-4479
Document Number	0048280651
Book / Page	004828 / 000651
Instrument Date	Mar 31, 2017
Transaction Type	Mortgage
Record Updated	Sep 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81325 COLE ST MEMPHIS MI 480414479, MEMPHIS, MI 48041-4479

Mortgage

Document Number	0048280651
Date	May 9, 2017
Book Page	004828/000651

Lender

Name	CALIBRE HM LNS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 81325 Cole St was $3,100 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		$71,800 (-13.08%)	$143,600
2025	$3,100.00 (+3.06%) Homeowner's exemption	$82,600
2024	$3,008.00		$165,200
2023		$81,300
2022	$2,743.00		$162,600

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

Flood

FEMA maps place 81325 Cole St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

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

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

Wildfire

Wildfire risk around 81325 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 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	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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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