9904 Arnold Rd, Ira (Fair Haven), MI 48023 Property Records

St. Clair County property record for 9904 Arnold Rd, Ira, MI 48023

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,123 sqft · built 1990
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (May 2026)
Tax Bill	$4,578 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-23-005-3011-000`

Property Details

APN / Parcel Number

Primary APN	`74-23-005-3011-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,123 sqft Living Area
1st Floor Area	2,002 sqft
Basement Area	1,618 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	130,680 sqft (3 acres)
Lot Dimensions	633 ft deep x 196 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9904 ARNOLD RD
City	IRA
State	MI
Zip	48023-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AEC
Legal Description	BEG E 890' FROM SW SEC COR, TH N 0D 38M W 666.17', TH S 89D 41M 10S E 196.35', TH S 0D 38M E 665.10', TH W 196.33' TO BEG.
Legal Range	15E
Legal Township	03N
Legal Section	05
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	IRA
Census Block Group	4
Census Block	4010
Census Tract	650100

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	9904 ARNOLD RD, IRA, MI 48023-1107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 7, 2026	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
May 7, 2026	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Mar 1, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2026 · Amount on Record
Deed Sale	May 7, 2026 · Amount on Record
Prior Sale	Mar 1, 2021 · Amount on Record
Deed Document Number	20269259
Deed Book / Page	5921 / 788
Prior Transfer Date	Feb 19, 2021
Prior Transfer Doc	0053260192
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9904 ARNOLD RD, IRA, MI 48023-1107
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9904 ARNOLD RD, IRA, MI 48023-1107

Mortgage

Document Number	0005899865
Date	Feb 24, 2026
Book Page	5899/865
Instrument	2026003476

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 7, 2026
Property Address	9904 ARNOLD RD, IRA, MI 48023-1107
Document Number	0000009259
Book / Page	5921 / 788
Instrument Date	Apr 16, 2026
Instrument	2026.9259
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	ROCKET CLOSE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$265,125.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9904 ARNOLD RD, IRA, MI 48023-1107

Mortgage

Document Number	0000009260,
Date	May 7, 2026
Instrument	2026..9260

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 7, 2026
Property Address	9904 ARNOLD RD, IRA, MI 48023-1107
Document Number	0005921788
Book / Page	5921 / 788
Instrument Date	Apr 16, 2026
Instrument	20269259
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	ROCKET TITLE, ROCKET CLOSE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$265,125.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9904 ARNOLD RD, IRA, MI 48023-1107

Mortgage

Document Number	0000009260,
Date	May 7, 2026
Instrument	20269260

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 1, 2021
Property Address	9904 ARNOLD RD, IRA, MI 48023-1107
Document Number	0005326192
Book / Page	5326 / 192
Instrument Date	Feb 19, 2021
Instrument	2021005767
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9904 ARNOLD RD, IRA, MI 48023-1107

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	Ira Township
Unified School District	Anchor Bay School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$220,300 (+5%)	$440,600 (+5%)
2025	$4,578.00 (+4.64%) Homeowner's exemption	$209,800 (+23.56%)
2024	$4,375.00 (+10.73%)		$419,600 (+23.56%)
2023		$169,800
2022	$3,951.00		$339,600

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 · 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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