107 S Lester St, Capac, MI 48014 Property Records

St. Clair County property record for 107 S Lester St, Capac, MI 48014

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 576 sqft · built 1900
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Jun 2026)
Tax Bill	$1,133 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-40-950-0310-000`

Property Details

APN / Parcel Number

Primary APN	`74-40-950-0310-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	576 sqft Living Area
1st Floor Area	576 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Ranch
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	107 S LESTER ST
City	CAPAC
State	MI
Zip	48014-3711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VILLAGE
Legal Description	LOT 9 B1S R3E VILLAGE OF CAPAC SEC 27 T7N R13E
Legal Range	13E
Legal Township	07N
Legal Section	27
Legal Subdivision	VILLAGE OF CAPAC
Legal Lot Number	9
Legal Unit	9
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	MUSSEY
Census Block Group	2
Census Block	2019
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	Individual Name on Record
Mailing Address	107 S LESTER ST, CAPAC, MI 48014-3711
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK
Jun 3, 2020	Warranty Deed, Transfer · Conventional with PMI LAKESTONE BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2026 · Amount on Record
Deed Sale	Jun 8, 2026 · Amount on Record
Prior Sale	Jun 3, 2020 · Amount on Record
Deed Document Number	202611411
Deed Book / Page	5931 / 402
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 8, 2026
Property Address	107 S LESTER ST, CAPAC, MI 48014-3711
Document Number	0000011411
Book / Page	5931 / 402
Instrument Date	Jun 5, 2026
Instrument	202611411
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	MICHIGAN SHORES TITLE AGENCY, MICHIGAN MOVES TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121,200.00
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	107 S LESTER ST, CAPAC, MI 48014-3711

Mortgage

Document Number	0005932719,
Date	Jun 8, 2026
Book Page	5932/719
Instrument	202611766

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 3, 2020
Property Address	107 S LESTER ST, CAPAC, MI 48014-3711
Document Number	0051950047
Book / Page	005195 / 000047
Instrument Date	Apr 17, 2020
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	CISLO TITLE, CISLO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10598 BRYCE RD EMMETT MI 480223308, EMMETT, MI 48022-3308

Mortgage

Document Number	51950051
Date	Jun 3, 2020
Book Page	005195/000051

Lender

Name	LAKESTONE BK&TR
Address	LAPEER, MI 48446

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2050

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		$51,000 (+15.38%)	$102,000 (+15.38%)
2025	$1,133.00 (+3.19%) Homeowner's exemption	$44,200 (+9.14%)
2024	$1,098.00 (+12.85%)		$88,400 (+9.14%)
2023		$40,500
2022	$973.00		$81,000

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	Low lower than 98% of the US · lower than 95% 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	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 197 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: Mercury Fiber, Verizon.

Nearby Properties on S Lester St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures