1051 Troon, Saint Clair, MI 48079 Property Records

St. Clair County property record for 1051 Troon, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,291 sqft · built 1992
Lot Size	0.352 acres (15,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$454,900 (Jul 2025)
Tax Bill	$6,533 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-302-0068-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-302-0068-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,291 sqft Living Area
1st Floor Area	2,291 sqft
Basement Area	2,291 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	15,333 sqft (0.352 acres)
Lot Dimensions	165 ft deep x 93 ft wide
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1051 TROON
City	SAINT CLAIR
State	MI
Zip	48079-4277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	LOT 68 THE HIGHLANDS NO. 3
Legal Subdivision	THE HIGHLANDS 3
Legal Lot Number	68
Legal Unit	68
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7008
Census Tract	642000

Owner

Source: St. Clair County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	480 FISHER RD, GROSSE POINTE FARMS, MI 48230-1281
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 2, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Mar 15, 2021	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2025 · Amount on Record
Deed Sale	Jul 2, 2025 · Amount on Record
Prior Sale	Mar 15, 2021 · Amount on Record
Deed Document Number	202512496
Deed Book / Page	5828 / 188
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 16, 2026
Property Address	1051 TROON, SAINT CLAIR, MI 48079-4277
Document Number	0000018857
Book / Page	5965 / 439
Instrument Date	Sep 11, 2026
Instrument	202618857
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1051 TROON, SAINT CLAIR, MI 48079-4277

Mortgage

Document Number	0000018857,
Date	Sep 16, 2026
Book Page	5965/439
Instrument	202618857

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 2, 2025
Property Address	1051 TROON, SAINT CLAIR, MI 48079-4277
Document Number	0005828188
Book / Page	5828 / 188
Map Reference	LB 94 PGS 8 AND 9
Instrument Date	Jun 23, 2025
Instrument	2025012496
Transaction Type	Transfer
Record Updated	Oct 7, 2025
Title Company	STEWART TITLE/CALDWELL, STC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,412.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1051 TROON, SAINT CLAIR, MI 48079-4277

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 FISHER RD, GROSSE POINTE FARMS, MI 48230-1281

Mortgage

Document Number	2025012431
Date	Jul 2, 2025
Instrument	2025012431

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2040

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1051 TROON, SAINT CLAIR, MI 48079-4277
Transaction Type	Mortgage
Record Updated	Sep 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1051 TROON, SAINT CLAIR, MI 48079-4277

Mortgage

Document Number	0005558600
Date	Sep 6, 2022
Book Page	5558/600
Instrument	2022020743

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1051 TROON, SAINT CLAIR, MI 48079-4277
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1051 TROON, SAINT CLAIR, MI 48079-4277

Mortgage

Document Number	0000549652
Date	Mar 9, 2022
Book Page	5496/52
Instrument	2022005696

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 15, 2021
Property Address	1051 TROON, SAINT CLAIR, MI 48079-4277
Document Number	0005335180
Book / Page	5335 / 180
Map Reference	LB 94 PG 8&9
Instrument Date	Mar 3, 2021
Instrument	2021007589
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,467.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1051 TROON, 1051, SAINT CLAIR, MI 48079-4277

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1831 JACKSON ST, SAINT CLAIR, MI 48079-5277

Mortgage

Document Number	2021007590
Date	Mar 15, 2021
Instrument	2021007590

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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		$203,200 (+2.47%)	$406,400 (+2.47%)
2025	$6,533.00 (-1.8%) Homeowner's exemption	$198,300 (+21.43%)
2024	$6,653.00 (+13.57%)		$396,600 (+21.43%)
2023		$163,300
2022	$5,858.00		$326,600

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
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 97% of the US · lower than 93% 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 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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