St. Clair County property record for 1190 S 12th St, Saint Clair, MI 48079
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,156 sqft · built 1960 |
| Lot Size | 0.193 acres (8,407 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $178,000 (Apr 2022) |
| Tax Bill | $3,535 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-07-510-0006-000 |
| Primary APN | 74-07-510-0006-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,156 sqft Living Area |
| 1st Floor Area | 1,156 sqft |
| Basement Area | 1,156 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 8,407 sqft (0.193 acres) |
| Lot Dimensions | 120 ft deep x 70 ft wide |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 1190 S 12TH ST |
|---|---|
| City | SAINT CLAIR |
| State | MI |
| Zip | 48079-4938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A MED D |
| Legal Description | LOT 8 & N 10' OF LOT 7 RALPH MAYHEW PLAT |
| Legal Subdivision | RALPH MAYHEW PLAT |
| Legal Lot Number | 7-8 |
| Legal Unit | 8,7 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ST. CLAIR |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 642000 |
1190 S 12th St is owned and occupied by two individuals who bought it in April 2022.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1566 PROSPECTOR TRL, WENTZVILLE, MO 63385-4924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 20, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage KAYE FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 13, 2022 · Amount on File |
| Deed Sale | Apr 13, 2022 · Amount on File |
| Prior Sale | Sep 26, 2019 · Amount on File |
| Deed Document Number | 20229615 |
| Deed Book / Page | 5510 / 483 |
| Prior Transfer Date | Sep 19, 2019 |
| Prior Transfer Doc | 0000019897 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Aug 20, 2026 |
| Property Address | 1190 S 12TH ST, SAINT CLAIR, MI 48079-4938 |
| Document Number | 0000016909 |
| Book / Page | 5956 / 336 |
| Instrument Date | Aug 17, 2026 |
| Instrument | 202616909 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 1566 PROSPECTOR TRL, WENTZVILLE, MO 63385-4924 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Apr 13, 2022 |
| Property Address | 1190 S 12TH ST, SAINT CLAIR, MI 48079-4938 |
| Document Number | 0005510483 |
| Book / Page | 5510 / 483 |
| Map Reference | LB 56 PG 26 |
| Instrument Date | Mar 29, 2022 |
| Instrument | 2022009615 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,335.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1190 S 12TH ST, 1190, SAINT CLAIR, MI 48079-4938 |
| Name | Verified Name |
|---|---|
| Address | 50165 FAIRCHILD RD, CHESTERFIELD, MI 48051-2461 |
| Document Number | 0005516330 |
|---|---|
| Date | Apr 29, 2022 |
| Book Page | 5516/330 |
| Instrument | 2022010912 |
| Name | KAYE FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | FARMINGTON, MI 48334 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 1190 S 12th St was $3,535 with a homeowner's exemption, up 2.8% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| Municipality | St. Clair City |
| Unified School District | East China School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $98,200 (+4.91%) | $196,400 | |
| 2025 | $3,535.00 (+2.82%) Homeowner's exemption | $93,600 | |
| 2024 | $3,438.00 | $187,200 | |
| 2023 | $86,500 | ||
| 2022 | $2,892.00 | $173,000 |
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.
FEMA maps place 1190 S 12th 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.
The area around 1190 S 12th 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 394 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 |
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