8859 Arnold Rd, Ira (Fair Haven), MI 48023 Property Records

St. Clair County property record for 8859 Arnold Rd, Ira, MI 48023

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,802 sqft · built 1946
Lot Size	1.46 acres (63,598 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Apr 2019)
Tax Bill	$3,349 (2025)
Deeds & Mortgages	Feb 2020 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`74-23-010-1005-000`

Property Details

APN / Parcel Number

Primary APN	`74-23-010-1005-000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,802 sqft Living Area
1st Floor Area	1,028 sqft
Basement Area	1,028 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Lot Area	63,598 sqft (1.46 acres)
Lot Dimensions	217 ft deep x 255 ft wide
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8859 ARNOLD RD
City	IRA
State	MI
Zip	48023-1306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AEC
Legal Description	E 125 FT OF N 250 FT OF W 1/2 OF NW 1/4 & W 130 FT OF N 250 FT OF E 1/2 OF NW 1/4 T3NR15E SEC 10 1.46A
Legal Range	46
Legal Township	01
Legal Section	10
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	IRA
Census Block Group	4
Census Block	4018
Census Tract	650100

Owner

8859 Arnold Rd is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	8859 ARNOLD RD, IRA, MI 48023-1306
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
Feb 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION HM MTG CORP
Apr 24, 2019	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Apr 24, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2019 · Amount on File
Deed Sale	Apr 24, 2019 · Amount on File
Prior Sale	Apr 24, 2019 · Amount on File
Deed Document Number	20198344
Deed Book / Page	5050 / 411
Prior Transfer Date	Jan 24, 2013
Prior Transfer Doc	004353/394
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8859 ARNOLD RD, IRA, MI 48023-1306
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051490346
Date	Feb 4, 2020
Book Page	5149/346
Instrument	2020003186

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2035

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8859 ARNOLD RD, IRA, MI 48023-1306
Document Number	0051910669
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8859 ARNOLD RD IRA MI 480231306, IRA, MI 48023-1306

Mortgage

Document Number	0051910669
Date	May 26, 2020
Book Page	005191/000669

Lender

Name	UNION HM MTG CORP
Address	CLEVELAND, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 25, 2035

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 24, 2019
Property Address	8859 ARNOLD RD, IRA, MI 48023-1306
Document Number	0005050411
Book / Page	5050 / 411
Instrument Date	Feb 8, 2019
Instrument	2019008344
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	BELL TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,677.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8859 ARNOLD RD, IRA, MI 48023-1306

Mortgage

Document Number	2019008345
Date	Apr 24, 2019
Instrument	2019008345

Lender

Name	UNION HOME MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 24, 2019
Property Address	8859 ARNOLD RD, IRA, MI 48023-1306
Document Number	0050500409
Book / Page	005050 / 000409
Instrument Date	Feb 19, 2015
Transaction Type	Transfer
Record Updated	May 8, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$921.05
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8859 ARNOLD RD IRA MI 480231306, IRA, MI 48023-1306

Tax Assessment & Valuation

The 2025 property tax bill for 8859 Arnold Rd was $3,349 with a homeowner's exemption, up 5.3% 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	Ira Township
Unified School District	East China School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$140,100 (+3.93%)	$280,200
2025	$3,349.00 (+5.31%) Homeowner's exemption	$134,800
2024	$3,180.00		$269,600
2023		$111,100
2022	$2,970.00		$222,200

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

Flood

FEMA maps place 8859 Arnold Rd in Zone AE, a high-risk flood area within the regulatory floodway; 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	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 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 8859 Arnold 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	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	IRA TOWNSHIP serves 6,510 people · EPA ID MI0003390
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	1 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Duke Broadband.

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