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

St. Clair County property record for 995 Cove Rd, Wales, MI 48027

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,002 sqft · built 1975
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Tax Bill	$2,672 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-31-745-0018-000`

Property Details

APN / Parcel Number

Primary APN	`74-31-745-0018-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,002 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	175 ft deep x 132 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	995 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	LOT 18 & THAT PART OF SECS 20 & 29 LYING S & E OF A LINE BEG N 20' FROM N COR OF LOT 18 OF SAID PLAT, TH S 51 W 204.83' & S
Legal Range	15E
Legal Township	06N
Legal Section	20
Legal Subdivision	GEORGE W KINGS OF GOODELLS
Legal Lot Number	18
Legal Unit	18,18
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	995 COVE RD, WALES, MI 48027-3511
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Intrafamily Transfer, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Sep 29, 2022	Intrafamily Transfer, Transfer
Sep 26, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2025
Deed Sale	Sep 19, 2025
Prior Sale	Sep 26, 2022 · Amount on Record
Deed Document Number	202517715
Deed Book / Page	5852 / 385
Prior Transfer Date	Sep 10, 2025
Prior Transfer Doc	0005852385
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 19, 2025
Property Address	995 COVE RD, WALES, MI 48027-3511
Document Number	0005852385
Book / Page	5852 / 385
Map Reference	LB 52 PG 21
Instrument Date	Sep 10, 2025
Instrument	2025017715
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	995 COVE RD, WALES, MI 48027-3511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 COVE RD, WALES, MI 48027-3511

Mortgage

Document Number	2025017716
Date	Sep 19, 2025
Instrument	2025017716

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 29, 2022
Property Address	995 COVE RD, WALES, MI 48027-3511
Document Number	0005565817
Book / Page	5565 / 817
Instrument Date	Sep 1, 2022
Instrument	2022022496
Transaction Type	Transfer
Record Updated	Oct 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	995 COVE RD, 995, WALES, MI 48027-3511

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	995 COVE RD, WALES, MI 48027-3511

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 26, 2022
Property Address	995 COVE RD, WALES, MI 48027-3511
Document Number	0005564720
Book / Page	5564 / 720
Map Reference	LB 52 PG 21
Instrument Date	Sep 1, 2022
Instrument	2022022219
Transaction Type	Transfer
Record Updated	Oct 14, 2022
Title Company	SERVICE/ONE TITLE AGENCY INC, SERVICE ONE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	63251 OMO RD, 63251, LENOX, MI 48050-2115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9656 N WAYLAND AVE, CITRUS SPRINGS, FL 34434-3526

Mortgage

Document Number	2022022220
Date	Sep 26, 2022
Instrument	2022022220

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

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		$94,400 (+10.41%)	$188,800 (+10.41%)
2025	$2,672.00 (+17.61%) Homeowner's exemption	$85,500 (+11.62%)
2024	$2,272.00 (+44.35%)		$171,000 (+11.62%)
2023		$76,600
2022	$1,574.00		$153,200

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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