9980 Arnold Rd, Ira (Fair Haven), MI 48023 Property Records

St. Clair County property record for 9980 Arnold Rd, Ira, MI 48023

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,486 sqft · built 1990
Lot Size	2.15 acres (94,046 sqft)
Owner	Individual Name on Record
Last Sale	$204,000 (Jun 2014)
Tax Bill	$4,034 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-23-005-3010-100`

Property Details

APN / Parcel Number

Primary APN	`74-23-005-3010-100`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,486 sqft Living Area
1st Floor Area	1,220 sqft
Basement Area	1,064 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	94,046 sqft (2.15 acres)
Lot Dimensions	627 ft deep x 150 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9980 ARNOLD RD
City	IRA
State	MI
Zip	48023-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AEC
Legal Description	E 150' OF W 440' OF S 1/2 OF S 1/2 OF SW 1/4 AS MEAS ALG RD. SEC 5 T3N R15E 2.30 A
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	Individual Name on Record
Mailing Address	9980 ARNOLD RD, IRA, MI 48023-1107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2014 · Amount on Record
Deed Sale	Jun 30, 2014 · Amount on Record
Deed Document Number	201414239
Deed Book / Page	4516 / 174
Prior Transfer Date	Jul 19, 2010
Prior Transfer Doc	004071/178
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9980 ARNOLD RD, IRA, MI 48023-1107
Transaction Type	Mortgage
Record Updated	Jan 29, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9980 ARNOLD RD, IRA, MI 48023-1107

Mortgage

Document Number	0005682174
Date	Jan 9, 2024
Book Page	5682/174
Instrument	2024000500

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9980 ARNOLD RD, IRA, MI 48023-1107
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9980 ARNOLD RD, IRA, MI 48023-1107

Mortgage

Document Number	5371805
Date	May 27, 2021
Book Page	5371/805
Instrument	2021015975

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

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		$185,700 (+10.47%)	$371,400 (+10.47%)
2025	$4,034.00 (+29.29%) Homeowner's exemption	$168,100 (+48.37%)
2024	$3,120.00 (+8.94%)		$336,200 (+48.37%)
2023		$113,300
2022	$2,864.00		$226,600

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

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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