108 N Lester St, Capac, MI 48014 Property Records

St. Clair County property record for 108 N Lester St, Capac, MI 48014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,311 sqft · built 2025
Lot Size	0.325 acres (14,157 sqft)
Owner	2 Individual Names on File
Last Sale	$299,900 (Sep 2025)
Tax Bill	$586 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Oct 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`74-40-750-0036-000`

Property Details

APN / Parcel Number

Primary APN	`74-40-750-0036-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,311 sqft Living Area
Gross Area	808 sqft
1st Floor Area	1,311 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Ranch
Lot Area	14,157 sqft (0.325 acres)
Lot Dimensions	143 ft deep x 65 ft wide
Garage Area	528 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	108 N LESTER ST
City	CAPAC
State	MI
Zip	48014-3134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VILLAGE
Legal Description	THAT PART OF LOT 14 LYING N OF A LINE 420 FT N OF & PARALLEL WITH CENTER OF M-21 EXC N 195 FT THEREOF SUPERVISOR JOHN BOWERS
Legal Range	13E
Legal Township	07N
Legal Section	02
Legal Subdivision	SUPERVISORS JOHN BOWERS PLAT
Legal Lot Number	14
Legal Unit	14
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	MUSSEY
Census Block Group	2
Census Block	2010
Census Tract	657100

Owner

108 N Lester St is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	108 N LESTER ST, CAPAC, MI 48014-3134
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 7, 2025	Intrafamily Transfer, Transfer LIBERTY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on File
Deed Sale	Sep 30, 2025 · Amount on File
Prior Sale	Sep 25, 2024 · Amount on File
Deed Document Number	202518561
Deed Book / Page	5856 / 321
Prior Transfer Date	Aug 29, 2025
Prior Transfer Doc	0005858536
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 30, 2025
Property Address	108 N LESTER ST, CAPAC, MI 48014-3134
Document Number	0005856321
Book / Page	5856 / 321
Map Reference	LB 53 PG 3 - 6
Instrument Date	Aug 29, 2025
Instrument	2025018561
Transaction Type	Transfer
Record Updated	Oct 14, 2025
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 56, CAPAC, MI 48014-0056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41907 HENSALL ST, CLINTON TOWNSHIP, MI 48038-1971

Mortgage

Document Number	2025018562
Date	Sep 30, 2025
Instrument	2025018562

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 7, 2025
Property Address	108 N LESTER ST, CAPAC, MI 48014-3134
Document Number	0005858536
Book / Page	5858 / 536
Map Reference	LB 53 PG 3 - 6
Instrument Date	Aug 29, 2025
Instrument	2025019065
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	LIBERTY TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 N LESTER ST, CAPAC, MI 48014-3134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 N LESTER ST, CAPAC, MI 48014-3134

Tax Assessment & Valuation

The 2025 property tax bill for 108 N Lester St was $586 with a homeowner's exemption, up 2,341.7% from the year before.

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		$152,900 (+628.1%)	$305,800
2025	$586.00 (+2,341.67%)	$21,000
2024	$24.00		$42,000
2022	$24.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 108 N Lester St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 108 N Lester St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 83% 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	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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