1039 N 2nd St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 1039 N 2nd St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,933 sqft · built 1963
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$186,750 (Dec 2018)
Tax Bill	$4,442 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-610-0031-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-610-0031-000`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,933 sqft Living Area
1st Floor Area	1,183 sqft
Basement Area	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	155 ft deep x 73 ft wide
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1039 N 2ND ST
City	SAINT CLAIR
State	MI
Zip	48079-4202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	LOT 34 PALMER VILLAGE SUBD
Legal Subdivision	PALMER VILLAGE
Legal Lot Number	34
Legal Unit	34
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7013
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	1039 N 2ND ST, SAINT CLAIR, MI 48079-4202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE CO INC
Dec 5, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED SHORE FINANCIAL SERVICE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2018 · Amount on Record
Deed Sale	Dec 5, 2018 · Amount on Record
Deed Document Number	201826762
Deed Book / Page	5013 / 918
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1039 N 2ND ST, SAINT CLAIR, MI 48079-4202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1039 N 2ND ST, SAINT CLAIR, MI 48079-4202

Mortgage

Document Number	0052350477
Date	Sep 3, 2020
Book Page	5235/477
Instrument	2020021283

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1039 N 2ND ST, SAINT CLAIR, MI 48079-4202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051240981
Date	Nov 26, 2019
Book Page	5124/981
Instrument	2019024962

Lender

Name	SUN WEST MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 5, 2018
Property Address	1039 N 2ND ST, SAINT CLAIR, MI 48079-4202
Document Number	0005013918
Book / Page	5013 / 918
Map Reference	LB 55 PG 5
Instrument Date	Sep 13, 2018
Instrument	2018026762
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	REPUTATION FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,608.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 HIGHLAND DR, SAINT CLAIR, MI 48079-4235

Mortgage

Document Number	2018026763
Date	Dec 5, 2018
Instrument	2018026763

Lender

Name	UNITED SHORE FINANCIAL SERVICE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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		$116,300 (+1.66%)	$232,600 (+1.66%)
2025	$4,442.00 (+2.82%) Homeowner's exemption	$114,400 (-0.87%)
2024	$4,320.00 (+7.57%)		$228,800 (-0.87%)
2023		$115,400
2022	$4,016.00		$230,800

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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 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.

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 178 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

May also be available: AT&T.

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