81500 Cole St, Memphis, MI 48041 Property Records

St. Clair County property record for 81500 Cole St, Memphis, MI 48041

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,670 sqft · built 1960
Lot Size	1.71 acres (74,488 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Jan 2024)
Tax Bill	$7,067 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Mar 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`74-04-093-0003-001`

Property Details

APN / Parcel Number

Primary APN	`74-04-093-0003-001`
Alternative APN	`040930003000`

Interior

Full Baths	2 Baths
Building Area	2,670 sqft Living Area
1st Floor Area	2,670 sqft
Basement Area	1,660 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Lot Area	74,488 sqft (1.71 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	81500 COLE ST
City	MEMPHIS
State	MI
Zip	48041-4478
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG S 85D 21M E 91.69' FROM NW COR OF OUTLOT C, TH S 85D 21M E 19.31' , TH 288.99' ALONG CURVE TO NORTH, RADIUS OF 4078.31',
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

81500 Cole St is owned and occupied by two individuals who bought it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	81500 COLE ST, MEMPHIS, MI 48041-4478
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
Jan 2, 2024	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Mar 28, 2023	Fiduciary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2024 · Amount on File
Deed Sale	Jan 2, 2024 · Amount on File
Deed Document Number	20245
Deed Book / Page	5679 / 991
Prior Transfer Date	Mar 28, 2023
Prior Transfer Doc	0005608793
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 2, 2024
Property Address	81500 COLE ST, MEMPHIS, MI 48041-4478
Document Number	0005679991
Book / Page	5679 / 991
Instrument Date	Nov 17, 2023
Instrument	2024000005
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81500 COLE ST, MEMPHIS, MI 48041-4478

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8600 MARQUETTE RD, WALES, MI 48027-3712

Mortgage

Document Number	2024000006
Date	Jan 2, 2024
Instrument	2024000006

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2053

March 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 28, 2023
Property Address	81500 COLE ST, MEMPHIS, MI 48041-4478
Document Number	0005608793
Book / Page	5608 / 793
Instrument Date	Mar 27, 2023
Instrument	2023004943
Transaction Type	Transfer
Record Updated	Apr 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5328 HILLTOP TRL, PERRY, MI 48872-9169

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5328 HILLTOP TRL, PERRY, MI 48872-9169

Tax Assessment & Valuation

The 2025 property tax bill for 81500 Cole St was $7,067 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		$132,400 (-18.52%)	$264,800
2025	$7,067.00 (+3.08%) Homeowner's exemption	$162,500
2024	$6,856.00		$325,000
2023		$141,800
2022	$2,617.00		$283,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 81500 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 81500 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

Nearby Properties on Cole St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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