106 E Church St, Capac, MI 48014 Property Records

St. Clair County property record for 106 E Church St, Capac, MI 48014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,700 sqft · built 1925
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Apr 2024)
Tax Bill	$2,800 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-40-950-0016-000`

Property Details

APN / Parcel Number

Primary APN	`74-40-950-0016-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,700 sqft Living Area
1st Floor Area	840 sqft
Basement Area	840 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	106 E CHURCH ST
City	CAPAC
State	MI
Zip	48014-3112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VILLAGE
Legal Description	W 1/2 OF LOTS 7 & 8 EXC S 25' OF W 1/2 OF LOT 8 B1N R1E VILLAGE OF CAPAC
Legal Subdivision	VILLAGE OF CAPAC
Legal Lot Number	7-8
Legal Unit	7,8
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	MUSSEY
Census Block Group	2
Census Block	2013
Census Tract	657100

Owner

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	2 Individual Names on Record
Mailing Address	106 E CHURCH ST, CAPAC, MI 48014-3112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 28, 2021	Deed of Trust, Mortgage · Conventional with PMI TEAM ONE CU
Feb 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage TEAM ONE CU
Sep 13, 2019	Warranty Deed, Transfer · FHA Mortgage CASON HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2024 · Amount on Record
Deed Sale	Apr 29, 2024 · Amount on Record
Prior Sale	Sep 13, 2019 · Amount on Record
Deed Document Number	20247704
Deed Book / Page	5709 / 28
Prior Transfer Date	Jan 28, 2021
Prior Transfer Doc	0005314955
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	106 E CHURCH ST, CAPAC, MI 48014-3112
Transaction Type	Mortgage
Record Updated	Apr 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 W SAINT CLAIR ST 203, 203, ALMONT, MI 48003-8484

Mortgage

Document Number	0005702584
Date	Apr 3, 2024
Book Page	5702/584
Instrument	2024005675

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	106 E CHURCH ST, CAPAC, MI 48014-3112
Document Number	0053140957
Instrument Date	Jan 28, 2021
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	106 E CHURCH ST CAPAC MI 480143112, CAPAC, MI 48014-3112

Mortgage

Document Number	0053140957
Date	Jan 28, 2021
Book Page	005314/000957

Lender

Name	TEAM ONE CU
Type	Credit Union
Address	520 HAYDEN ST, SAGINAW, MI 48607-1121

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jan 27, 2036

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 8, 2021
Property Address	106 E CHURCH ST, CAPAC, MI 48014-3112
Document Number	0005314955
Book / Page	5314 / 955
Map Reference	LB H PG 72&73
Instrument Date	Jan 28, 2021
Instrument	2021003613
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	MARITIME TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 E CHURCH ST, CAPAC, MI 48014-3112

Mortgage

Document Number	2021003614
Date	Feb 8, 2021
Instrument	2021003614

Lender

Name	TEAM ONE CU
Type	Credit Union

Agreement

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

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 13, 2019
Property Address	106 E CHURCH ST, CAPAC, MI 48014-3112
Document Number	0050960357
Book / Page	005096 / 000357
Instrument Date	Aug 30, 2019
Transaction Type	Transfer
Record Updated	Oct 11, 2019
Title Company	ASK SERVICES INC, ASK SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1577 COCHRANE RD BERLIN MI 480022310, BERLIN, MI 48002-2310

Mortgage

Document Number	50960359
Date	Sep 13, 2019
Book Page	005096/000359

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	PALM BEACH GARDENS, FL 33408

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2049

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Capac Village
County	St. Clair County
County Subdivision	Mussey Township
Unified School District	Capac Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$112,400 (+10.52%)	$224,800 (+10.52%)
2025	$2,800.00 (+19.4%) Homeowner's exemption	$101,700 (+9.95%)
2024	$2,345.00 (+12.74%)		$203,400 (+9.95%)
2023		$92,500
2022	$2,080.00		$185,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	VILLAGE OF CAPAC serves 1,775 people · EPA ID MI0001110
Water Source	Groundwater
Last State Inspection	Jun 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Mercury Fiber Fixed Wireless · Fiber in parts of the area	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Highline Internet, Verizon.

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