117 Laura St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 117 Laura St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,069 sqft · built 1938
Lot Size	0.121 acres (5,271 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (Nov 2016)
Tax Bill	$2,706 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`74-07-582-0003-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-582-0003-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,069 sqft Living Area
1st Floor Area	931 sqft
Basement Area	983 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Lot Area	5,271 sqft (0.121 acres)
Lot Dimensions	123 ft deep x 43 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	117 LAURA ST
City	SAINT CLAIR
State	MI
Zip	48079-5115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	THE CTR 1/3 OF W 1/2 OF LOT 1 & CTR 1/3 OF N 1/2 OF W 1/2 OF LOT 2 BLK 1 OAKLAND, W S HOPKINS ADDT
Legal Subdivision	OAKLAND W S HOPKINS ADD
Legal Tract	1
Legal Block	1
Legal Lot Number	1-2
Legal Unit	1,2
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	3
Census Block	3038
Census Tract	642000

Owner

117 Laura St is owned and occupied by an individual who bought it in November 2016.

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

Owner of Record	Individual Name on File
Mailing Address	117 LAURA ST, SAINT CLAIR, MI 48079-5115
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
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Oct 14, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2016 · Amount on File
Deed Sale	Nov 14, 2016 · Amount on File
Prior Sale	Jun 4, 2012 · Amount on File
Deed Document Number	201625238
Deed Book / Page	4769 / 754
Prior Transfer Date	Jan 7, 2013
Prior Transfer Doc	4343000390
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	117 LAURA ST, SAINT CLAIR, MI 48079-5115
Transaction Type	Mortgage
Record Updated	Nov 3, 2021
Title Company	ATA NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 LAURA ST, SAINT CLAIR, MI 48079-5115

Mortgage

Document Number	5436313
Date	Oct 19, 2021
Book Page	5436/313
Instrument	2021029458

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	117 LAURA ST, SAINT CLAIR, MI 48079-5115
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 LAURA ST, SAINT CLAIR, MI 48079-5115

Mortgage

Document Number	0052550900
Date	Oct 14, 2020
Book Page	5255/900
Instrument	2020025361

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 117 Laura St was $2,706 with a homeowner's exemption, up 2.8% from the year before.

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		$88,100 (+9.31%)	$176,200
2025	$2,706.00 (+2.81%) Homeowner's exemption	$80,600
2024	$2,632.00		$161,200
2023		$63,500
2022	$2,483.00		$127,000

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

Flood

FEMA maps place 117 Laura St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1986.

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	9 in force
Nearby Flood Claims	2 (1986–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2020 · river or lake flooding

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

The area around 117 Laura St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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