81885 Main St, Memphis, MI 48041 Property Records

St. Clair County property record for 81885 Main St, Memphis, MI 48041

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,107 sqft · built 1972
Lot Size	0.217 acres (9,453 sqft)
Owner	Individual Name on File
Last Sale	$186,000 (Jul 2022)
Tax Bill	$4,241 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-04-760-0013-000`

Property Details

APN / Parcel Number

Primary APN	`74-04-760-0013-000`

Interior

Full Baths	1 Bath
Building Area	1,107 sqft Living Area
1st Floor Area	1,107 sqft
Basement Area	1,107 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Lot Area	9,453 sqft (0.217 acres)
Lot Dimensions	135 ft deep x 70 ft wide
Garage Area	686 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	81885 MAIN ST
City	MEMPHIS
State	MI
Zip	48041-4412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 70 FT OF S 300 FT OF E 135 FT OF LOT 9 SUPERVISORS BELLE RIVER PLAT
Legal Subdivision	SUPRVRS BELLE RIVER
Legal Lot Number	9
Legal Unit	9
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	MEMPHIS
Census Block Group	2
Census Block	2068
Census Tract	658500

Owner

81885 Main St is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	81885 MAIN ST, MEMPHIS, MI 48041-4412
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2022 · Amount on File
Deed Sale	Jul 15, 2022 · Amount on File
Deed Document Number	202216889
Deed Book / Page	5542 / 280
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 15, 2022
Property Address	81885 MAIN ST, MEMPHIS, MI 48041-4412
Document Number	0005542280
Book / Page	5542 / 280
Map Reference	LB 48 PG 51
Instrument Date	Jun 22, 2022
Instrument	2022016889
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,395.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10831 DUNN RD, 10831, RILEY, MI 48041-1510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23040 E MAIN ST, ARMADA, MI 48005-4705

Mortgage

Document Number	2022016890
Date	Jul 15, 2022
Instrument	2022016890

Lender

Name	CHOICEONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 81885 Main St was $4,241 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		$92,600 (-7.86%)	$185,200
2025	$4,241.00 (+3.09%) Homeowner's exemption	$100,500
2024	$4,114.00		$201,000
2023		$87,900
2022	$2,399.00		$175,800

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 81885 Main 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 81885 Main 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	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