945 Minor Rd, Riley (Memphis), MI 48041 Property Records

St. Clair County property record for 945 Minor Rd, Riley, MI 48041

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,242 sqft · built 1997
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Mar 2022)
Tax Bill	$5,964 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2026 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`74-29-025-1001-400`

Property Details

APN / Parcel Number

Primary APN	`74-29-025-1001-400`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,242 sqft Living Area
1st Floor Area	1,495 sqft
Basement Area	1,495 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	87,120 sqft (2 acres)
Garage Area	746 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	945 MINOR RD
City	RILEY
State	MI
Zip	48041-3915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	BEG S 0D 10M 20S E 496.15' FROM N 1/4 COR, TH S 0D 10M 20S E 248' TH S 89D 31M 55S W 352', TH N 0D 10M 20S W 248', TH N 89D
Legal Range	14E
Legal Township	06N
Legal Section	25
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	RILEY
Census Block Group	2
Census Block	2049
Census Tract	658500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	945 MINOR RD, RILEY, MI 48041-3915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit MICHIGAN SCHOOLS AND GOV'T CREDIT UNION
Jun 10, 2026	Deed of Trust, Mortgage · Line of Credit FORT FINANCIAL CREDIT UNION
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES INC
Mar 28, 2022	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
Sep 20, 2021	Intrafamily Transfer, Transfer CRISLO TITLE COMPANY, CISLO TITLE CO
Sep 20, 2021	Warranty Deed, Transfer CRISLO TITLE COMPANY, CISLO TITLE CO
Mar 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2022 · Amount on Record
Deed Sale	Mar 28, 2022 · Amount on Record
Prior Sale	Sep 20, 2021 · Amount on Record
Deed Document Number	20227471
Deed Book / Page	5503 / 275
Prior Transfer Date	Aug 25, 2021
Prior Transfer Doc	5423106
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 31, 2026
Property Address	945 MINOR RD, RILEY, MI 48041-3915
Document Number	0000015533
Book / Page	5949 / 802
Instrument Date	Jul 17, 2026
Instrument	202615533
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 MINOR RD, RILEY, MI 48041-3915

Mortgage

Document Number	0000015533,
Date	Jul 31, 2026
Book Page	5949/802
Instrument	202615533

Lender

Name	MICHIGAN SCHOOLS AND GOV'T CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 31, 2051

Interest

Rate	6.47%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 10, 2026
Property Address	945 MINOR RD, RILEY, MI 48041-3915
Document Number	0000011589
Book / Page	5932 / 142
Instrument Date	Jun 5, 2026
Instrument	202611589
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 MINOR RD, RILEY, MI 48041-3915

Mortgage

Document Number	0000011589,
Date	Jun 10, 2026
Book Page	5932/142
Instrument	202611589

Lender

Name	FORT FINANCIAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 10, 2036

Interest

Rate	6.37%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	945 MINOR RD, RILEY, MI 48041-3915
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5601 MING AVE, BAKERSFIELD, CA 93309-4694

Mortgage

Document Number	0005442861
Date	Oct 29, 2021
Book Page	5442/861
Instrument	2021030632

Lender

Name	FIRST SECURITIES FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	FRANKLIN, MI 48025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2051

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 28, 2022
Property Address	945 MINOR RD, RILEY, MI 48041-3915
Document Number	0005503275
Book / Page	5503 / 275
Instrument Date	Mar 7, 2022
Instrument	2022007471
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	TITLE PLUS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5601 MING AVE # 5, 5601, BAKERSFIELD, CA 93309-4694

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36710 HALEY DR, NEW BALTIMORE, MI 48047-6340

Mortgage

Document Number	0005500369
Date	Mar 18, 2022
Book Page	5500/369
Instrument	2022006591

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 20, 2021
Property Address	945 MINOR RD, RILEY, MI 48041-3915
Document Number	5423106
Book / Page	5423 / 106
Instrument Date	Aug 25, 2021
Instrument	2021026758
Transaction Type	Transfer
Record Updated	Oct 11, 2021
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 MINOR RD, RILEY, MI 48041-3915

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 20, 2021
Property Address	945 MINOR RD, RILEY, MI 48041-3915
Document Number	5423108
Book / Page	5423 / 108
Instrument Date	Aug 25, 2021
Instrument	2021026759
Transaction Type	Transfer
Record Updated	Oct 11, 2021
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$2,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	945 MINOR RD, 945, RILEY, MI 48041-3915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5601 MING AVE APT E5, E5, BAKERSFIELD, CA 93309-4668

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	945 MINOR RD, RILEY, MI 48041-3915
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049240806
Date	Mar 13, 2018
Book Page	4924/806
Instrument	2018005470

Lender

Name	HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Riley Township
Unified School District	Memphis Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$246,400 (+6.71%)	$492,800 (+6.71%)
2025	$5,964.00 (+2.99%) Homeowner's exemption	$230,900 (+18.29%)
2024	$5,791.00 (+91.88%)		$461,800 (+18.29%)
2023		$195,200
2022	$3,018.00		$390,400

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

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

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

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

May also be available: Mercury Fiber.

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