115 N 5th St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 115 N 5th St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 3,456 sqft · built 1897
Lot Size	0.238 acres (10,367 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Aug 2015)
Tax Bill	$6,570 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Jun 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-049-0100-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-049-0100-000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,456 sqft Living Area
1st Floor Area	1,454 sqft
Basement Area	1,454 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Lot Area	10,367 sqft (0.238 acres)
Lot Dimensions	90 ft deep x 115 ft wide
Garage Area	1,000 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	115 N 5TH ST
City	SAINT CLAIR
State	MI
Zip	48079-5486
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	LOT 192 & N 25' OF LOT 191, E 1/2 OF LOT 193 & N 25' OF E 1/2 OF LOT 194 MAP OF ST CLAIR
Legal Subdivision	ST CLAIR
Legal Lot Number	191-194
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1019
Census Tract	642000

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	115 N 5TH ST, SAINT CLAIR, MI 48079-5486
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN MICHIGAN BANK
Jun 3, 2024	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 29, 2020	Quit Claim Deed, Transfer · VA Mortgage TCF NAT'L BK
May 7, 2020	Deed of Trust, Mortgage · VA Mortgage TCF NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2015 · Amount on Record
Deed Sale	Aug 18, 2015 · Amount on Record
Deed Document Number	201519227
Deed Book / Page	4631 / 203
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	115 N 5TH ST, SAINT CLAIR, MI 48079-5486
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 N 5TH ST, SAINT CLAIR, MI 48079-5486

Mortgage

Document Number	0005481220
Date	Jan 28, 2022
Book Page	5481/220
Instrument	2022002433

Lender

Name	EASTERN MICHIGAN BANK
Type	Bank
Address	MARYSVILLE, MI 48040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 22, 2027

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	115 N 5TH ST, SAINT CLAIR, MI 48079-5486
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 N 5TH ST, SAINT CLAIR, MI 48079-5486

Mortgage

Document Number	0005717458
Date	Jun 3, 2024
Book Page	5717/458
Instrument	2024009734

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	5555 CLEVELAND AVE, COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 16, 2054

Interest

Change Frequency	Monthly

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 29, 2020
Property Address	115 N 5TH ST, SAINT CLAIR, MI 48079-5486
Document Number	0051920894
Book / Page	005192 / 000894
Instrument Date	May 7, 2020
Transaction Type	Transfer
Record Updated	Jul 2, 2020
Title Company	PARTNERS TITLE COMPANY, PARTNERS TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 N 5TH ST ST CLAIR MI 480795486, ST CLAIR, MI 48079-5486

Mortgage

Document Number	51920896
Date	May 29, 2020
Book Page	005192/000896

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	115 N 5TH ST, SAINT CLAIR, MI 48079-5486
Document Number	0051920896
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 N 5TH ST ST CLAIR MI 480795486, ST CLAIR, MI 48079-5486

Mortgage

Document Number	0051920896
Date	May 29, 2020
Book Page	005192/000896

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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		$206,500 (+6.55%)	$413,000 (+6.55%)
2025	$6,570.00 (+2.8%) Homeowner's exemption	$193,800 (+18.03%)
2024	$6,391.00 (+7.59%)		$387,600 (+18.03%)
2023		$164,200
2022	$5,940.00		$328,400

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

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
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2001 · other causes

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	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	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 434 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Duke Broadband.

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