St. Clair County property record for 1028 Vine St, Saint Clair, MI 48079
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 884 sqft · built 1932 |
| Lot Size | 2.94 acres (128,110 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Sep 2005) |
| Tax Bill | $2,685 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Nov 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 74-07-053-0182-000 |
| Primary APN | 74-07-053-0182-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 884 sqft Living Area |
| 1st Floor Area | 884 sqft |
| Basement Area | 884 sqft |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Lot Area | 128,110 sqft (2.94 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1028 VINE ST |
|---|---|
| City | SAINT CLAIR |
| State | MI |
| Zip | 48079-5454 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 LOW DE |
| Legal Description | ALL THAT PART OF W 1/2 OF 5 A LOTS 36 & 45 LYING E OF PH & D RR R/W EXC E 66' OF PART SE OF CREEK MAP OF PC 304 & 305 |
| Legal Subdivision | JORDAN CRK |
| Legal Lot Number | 36,45 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ST. CLAIR |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 642000 |
Source: St. Clair County records, as of September 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1028 VINE ST, SAINT CLAIR, MI 48079-5454 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 26, 2023 | Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE |
| Nov 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2005 · Amount on File |
| Deed Sale | Sep 23, 2005 · Amount on File |
| Prior Sale | Aug 11, 2005 · Amount on File |
| Deed Document Number | 200532805 |
| Deed Book / Page | 3425 / 851 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1028 VINE ST, SAINT CLAIR, MI 48079-5454 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1028 VINE ST, SAINT CLAIR, MI 48079-5454 |
| Document Number | 0005657472 |
|---|---|
| Date | Sep 26, 2023 |
| Book Page | 5657/472 |
| Instrument | 2023017058 |
| Name | CREDIT UNION ONE |
|---|---|
| Type | Credit Union |
| Address | FERNDALE, MI 48220 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 25, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1028 VINE ST, SAINT CLAIR, MI 48079-5454 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 1028 VINE ST, SAINT CLAIR, MI 48079-5454 |
| Document Number | 5448329 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 5448/329 |
| Instrument | 2021031825 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 258 Months |
| Due | May 1, 2043 |
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| Municipality | St. Clair City |
| Unified School District | East China School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $146,500 (+15.63%) | $293,000 (+15.63%) | |
| 2025 | $2,685.00 (+4.92%) Homeowner's exemption | $126,700 (-7.04%) | |
| 2024 | $2,559.00 (+8.39%) | $253,400 (-7.04%) | |
| 2023 | $136,300 | ||
| 2022 | $2,361.00 | $272,600 |
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.
Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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