112 Clark St, Yale, MI 48097 Property Records

St. Clair County property record for 112 Clark St, Yale, MI 48097

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,895 sqft · built 1965
Lot Size	0.285 acres (12,415 sqft)
Owner	2 Individual Names on File
Last Sale	$128,000 (Apr 2006)
Deeds & Mortgages	Aug 2023 Line of Credit Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-08-153-0001-000`

Property Details

APN / Parcel Number

Primary APN	`74-08-153-0001-000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,895 sqft Living Area
1st Floor Area	1,895 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	12,415 sqft (0.285 acres)
Lot Dimensions	100 ft deep x 124 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	112 CLARK ST
City	YALE
State	MI
Zip	48097-3301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BUSCH SUBDIVISION
Legal Subdivision	BUSCH
Legal Lot Number	1
Legal Unit	1
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	YALE
Census Block Group	1
Census Block	1030
Census Tract	655100

Owner

112 Clark St is owned and occupied by two individuals who acquired it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	112 CLARK ST, YALE, MI 48097-3301
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 10, 2023	Deed of Trust, Mortgage · Line of Credit CENTRAL MACOMB COMMUNITY CU
Jan 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL MACOMB COMMUNITY CU
Oct 5, 2021	Deed of Trust, Mortgage · Line of Credit CENTRAL MACOMB COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2006 · Amount on File
Deed Sale	Apr 10, 2006 · Amount on File
Deed Document Number	20062005057527
Deed Book / Page	3535 / 990
Last Transfer Date	Jul 22, 2024
Transfer Doc	0005743585
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	112 CLARK ST, YALE, MI 48097-3301
Transaction Type	Mortgage
Record Updated	Aug 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 CLARK ST, YALE, MI 48097-3301

Mortgage

Document Number	0005645209
Date	Aug 10, 2023
Book Page	5645/209
Instrument	2023014193

Lender

Name	CENTRAL MACOMB COMMUNITY CU
Type	Credit Union
Address	MOUNT CLEMENS, MI 48046

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 9, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	112 CLARK ST, YALE, MI 48097-3301
Transaction Type	Mortgage
Record Updated	Jan 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 CLARK ST, YALE, MI 48097-3301

Mortgage

Document Number	0005592442
Date	Jan 18, 2023
Book Page	5592/442
Instrument	2023000862

Lender

Name	CENTRAL MACOMB COMMUNITY CU
Type	Credit Union
Address	MOUNT CLEMENS, MI 48046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	12%
Index	1-Year T-Bill
Max Rate	12%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	112 CLARK ST, YALE, MI 48097-3301
Transaction Type	Mortgage
Record Updated	Oct 19, 2021
Title Company	LIBERTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 CLARK ST, YALE, MI 48097-3301

Mortgage

Document Number	5430775
Date	Oct 5, 2021
Book Page	5430/775
Instrument	2021028263

Lender

Name	CENTRAL MACOMB COMMUNITY CU
Type	Credit Union
Address	MOUNT CLEMENS, MI 48046

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 4, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Yale City
Unified School District	Yale Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,900 (+8.41%)	$275,800
2025	Homeowner's exemption	$127,200
2024			$254,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 112 Clark 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 112 Clark 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 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	CITY OF YALE serves 1,900 people · EPA ID MI0007230
Water Source	Groundwater
Last State Inspection	Feb 2026

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Apr 2021
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 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
AVS Broadband Fixed Wireless	100 / 20

May also be available: Verizon.

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