923 Stone St, Port Huron, MI 48060 Property Records

St. Clair County property record for 923 Stone St, Port Huron, MI 48060

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,255 sqft · built 1928
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$123,000 (Sep 2025)
Tax Bill	$2,158 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-06-366-0221-000`

Property Details

APN / Parcel Number

Primary APN	`74-06-366-0221-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,255 sqft Living Area
1st Floor Area	875 sqft
Basement Area	242 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	65 ft deep x 47 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	923 STONE ST
City	PORT HURON
State	MI
Zip	48060-3629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	S 47 2/3 FT OF N 95 1/3 FT LOT 1 & S 47 2/3 FT OF N 95 1/3 FT OF E 15 FT LOT 2 BLK 89 ADDITION TO THE CITY OF PORT HURON,
Legal Subdivision	A SUBDIVISION
Legal Block	89
Legal Lot Number	1-2
Legal Unit	1,2
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	PORT HURON
Census Block Group	2
Census Block	2036
Census Tract	625001

Owner

923 Stone St is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1196 CLINTON AVE, 318, SAINT CLAIR, MI 48079-5180
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 24, 2025	Warranty Deed, Transfer · Conventional Mortgage LUMINATE BANK
Apr 16, 2020	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2025 · Amount on File
Deed Sale	Sep 24, 2025 · Amount on File
Prior Sale	Apr 16, 2020 · Amount on File
Deed Document Number	202518168
Deed Book / Page	5854 / 434
Prior Transfer Date	Jan 27, 2005
Prior Transfer Doc	003280/899
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 24, 2025
Property Address	923 STONE ST, PORT HURON, MI 48060-3629
Document Number	0005854434
Book / Page	5854 / 434
Map Reference	LB 4 PG 35
Instrument Date	Sep 3, 2025
Instrument	2025018168
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	PLATINUMFIRST TITLE

Transaction

Amount	Amount on Record
Tax	$135.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	923 STONE ST, PORT HURON, MI 48060-3629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1196 CLINTON AVE APT 318, 318, SAINT CLAIR, MI 48079-5180

Mortgage

Document Number	2025016780
Date	Sep 24, 2025
Instrument	2025016780

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Mortgage

Document Number	0005848125
Date	Sep 5, 2025
Book Page	5848/125
Instrument	2025016780

Lender

Name	LUMINATE BANK
Type	Bank
Address	2523 S WAYZATA BLVD STE 100, MINNEAPOLIS, MN 55405

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 16, 2020
Property Address	923 STONE ST, PORT HURON, MI 48060-3629
Document Number	0051750134
Book / Page	005175 / 000134
Instrument Date	Apr 9, 2020
Transaction Type	Transfer
Record Updated	Apr 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$644.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1313 BANCROFT ST PORT HURON MI 480606143, PORT HURON, MI 48060-6143

Mortgage

Document Number	51750135
Date	Apr 16, 2020
Book Page	005175/000135

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 923 Stone St was $2,158 with a homeowner's exemption, up 2.7% 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	Port Huron City
Unified School District	Port Huron Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$60,700 (+9.57%)	$121,400
2025	$2,158.00 (+2.71%) Homeowner's exemption	$55,400
2024	$2,101.00		$110,800
2023		$45,100
2022	$1,758.00		$90,200

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 923 Stone St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

The area around 923 Stone St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 PORT HURON serves 28,983 people · EPA ID MI0005480
Water Source	Surface water
Last State Inspection	Nov 2021
Lead	5 ppb (2021–2023) 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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Duke Broadband, Verizon.

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