985 Cove Rd, Wales (Goodells), MI 48027 Property Records

St. Clair County property record for 985 Cove Rd, Wales, MI 48027

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,030 sqft · built 1930
Lot Size	0.663 acres (28,880 sqft)
Owner	Individual Name on Record
Tax Bill	$1,456 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-31-745-0017-000`

Property Details

APN / Parcel Number

Primary APN	`74-31-745-0017-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,030 sqft Living Area
1st Floor Area	666 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	28,880 sqft (0.663 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	985 COVE RD
City	WALES
State	MI
Zip	48027-3511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES.VILLAG
Legal Description	LOTS 16 & 17 SUPERVISOR GEOGE W KING'S PLAT OF LAMBS
Legal Subdivision	GEORGE W KINGS OF LAMBS
Legal Lot Number	16-17
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	WALES
Census Block Group	2
Census Block	2066
Census Tract	652600

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	Individual Name on Record
Mailing Address	985 COVE RD, WALES, MI 48027-3511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · Line of Credit ADVIA CU
Sep 15, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Apr 22, 2021	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 8, 2005
Transfer Doc	003319/084
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	985 COVE RD, WALES, MI 48027-3511
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 COVE RD, WALES, MI 48027-3511

Mortgage

Document Number	0005906528
Date	Mar 18, 2026
Book Page	5906/528
Instrument	2026004959

Lender

Name	ADVIA CU
Type	Credit Union
Address	6400 W MAIN ST, KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 17, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	985 COVE RD, WALES, MI 48027-3511
Transaction Type	Mortgage
Record Updated	Oct 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 COVE RD, WALES, MI 48027-3511

Mortgage

Document Number	0005561546
Date	Sep 15, 2022
Book Page	5561/546
Instrument	2022021442

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	985 COVE RD, WALES, MI 48027-3511
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 COVE RD, WALES, MI 48027-3511

Mortgage

Document Number	5356383
Date	Apr 22, 2021
Book Page	5356/383
Instrument	2021012668

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Wales Township
Unified School District	Memphis Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$98,700 (+9.54%)	$197,400 (+9.54%)
2025	$1,456.00 (+33.21%) Homeowner's exemption	$90,100 (+12.06%)
2024	$1,093.00 (+1.58%)		$180,200 (+12.06%)
2023		$80,400
2022	$1,076.00		$160,800

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

Flood

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
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2014 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 95% of the US · lower than 89% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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