1012 N Riverside Ave, Saint Clair, MI 48079 Property Records

St. Clair County property record for 1012 N Riverside Ave, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,414 sqft
Lot Size	1.37 acres (60,069 sqft)
Owner	Individual Name on Record
Last Sale	$960,000 (Nov 2024)
Tax Bill	$26,156 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-097-0045-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-097-0045-000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Stories	2 Stories
Building Area	4,414 sqft Living Area
1st Floor Area	2,832 sqft
Basement Area	2,172 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	60,069 sqft (1.37 acres)
Lot Dimensions	390 ft deep x 154 ft wide
Garage Area	1,424 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1012 N RIVERSIDE AVE
City	SAINT CLAIR
State	MI
Zip	48079-4268
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	LOT 31 EXC N 100' & EXC S 100' ASSESSORS RIVERSIDE AVENUE PLAT ACCORDING TO THE PLAT RECORDED IN LIBER 50 OF PLAT PG 35 ST
Legal Subdivision	ASSESSORS
Legal Lot Number	31
Legal Unit	31
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7001
Census Tract	642000

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	1012 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
May 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Jun 1, 2022	Warranty Deed, Transfer ATA NATIONAL TITLE
Dec 20, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 19, 2020	Deed of Trust, Mortgage QUICKEN LOANS LLC
Jan 10, 2018	Quit Claim Deed, Mortgage · Line of Credit BANK OF ANN ARBOR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2024 · Amount on Record
Deed Sale	Nov 7, 2024 · Amount on Record
Prior Sale	Jun 1, 2022 · Amount on Record
Deed Document Number	202419842
Deed Book / Page	5763 / 557
Prior Transfer Date	Dec 14, 2021
Prior Transfer Doc	0000054662
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1012 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4268
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4268

Mortgage

Document Number	0005901868
Date	Mar 3, 2026
Book Page	5901/868
Instrument	2026003931

Lender

Name	PNC BANK NA
Type	Bank
Address	3232 NEWMARK DR, MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.87%
Index	Other
Margin	3
Max Rate	9.87%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1012 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4268
Transaction Type	Mortgage
Record Updated	Jun 14, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005625543
Date	May 30, 2023
Book Page	5625/543
Instrument	2023009666

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.6%
Index	Other
Max Rate	11.6%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 1, 2022
Property Address	1012 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4268
Document Number	0005527234
Book / Page	5527 / 234
Map Reference	LB 50 PG 35
Instrument Date	May 16, 2022
Instrument	2022013388
Transaction Type	Transfer
Record Updated	Jun 16, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$6,562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1012 N RIVERSIDE AVE, 1012, SAINT CLAIR, MI 48079-4268

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	132 COUNTRY CLUB CT, SAINT CLAIR, MI 48079-3571

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 20, 2021
Property Address	1012 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4268
Document Number	0000054662
Book / Page	5466 / 2
Map Reference	LB 50 PG 35
Instrument Date	Dec 14, 2021
Instrument	2021035450
Transaction Type	Transfer
Record Updated	Jan 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1012 N RIVERSIDE AVE, 1012, SAINT CLAIR, MI 48079-4268

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4268

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1012 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4268
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4268

Mortgage

Document Number	0052750745
Date	Nov 19, 2020
Book Page	5275/745
Instrument	2020029272

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

January 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 10, 2018
Property Address	1012 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4268
Document Number	0049060307
Book / Page	004906 / 000307
Instrument Date	Nov 1, 2017
Transaction Type	Mortgage
Record Updated	Feb 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1012 N RIVERSIDE AVE ST CLAIR MI 480794268, ST CLAIR, MI 48079-4268

Mortgage

Document Number	48940628
Date	Jan 10, 2018
Book Page	004894/000628

Lender

Name	BANK OF ANN ARBOR
Type	Bank
Address	BIRMINGHAM, MI 48009

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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
Municipality	St. Clair City
Unified School District	East China School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$459,900 (+1.19%)	$919,800 (+1.19%)
2025	$26,156.00 (+2.46%)	$454,500 (-15.57%)
2024	$25,527.00 (+92.19%)		$909,000 (-15.57%)
2023		$538,300
2022	$13,282.00		$1,076,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 99.1% of the US · lower than 98.4% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ST. CLAIR serves 5,464 people · EPA ID MI0006270
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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