1203 River Rd, Saint Clair, MI 48079 Property Records

St. Clair County property record for 1203 River Rd, Saint Clair, MI 48079 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,406 sqft · built 2016
Lot Size	0.468 acres (20,386 sqft)
Owner	2 Company Names on File
Last Sale	$155,000 (Jun 2016)
Tax Bill	$3,680 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Aug 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-30-850-0020-000`

Property Details

APN / Parcel Number

Primary APN	`74-30-850-0020-000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,406 sqft Living Area
1st Floor Area	1,637 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	20,386 sqft (0.468 acres)
Lot Dimensions	335 ft deep x 60 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1203 RIVER RD
City	SAINT CLAIR
State	MI
Zip	48079-2805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 EX S 40 FT SUPERVISORS GEORGE SMITH FARM PLAT T5NR17E
Legal Range	17E
Legal Township	05N
Legal Section	40
Legal Subdivision	SUPERVISORS GEORGE SMITH FARM PLAT
Legal Lot Number	17
Legal Unit	17
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1001
Census Tract	640100

Owner

Source: St. Clair County records · APN 74-30-850-0020-000

Assessment roll updated October 7, 2025 · Last verified August 2026

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

Owner of Record	2 Company Names on File
Mailing Address	1203 RIVER RD, SAINT CLAIR, MI 48079-2805
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Aug 10, 2017	Deed of Trust, Mortgage · Line of Credit CHEMICAL BANK
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage AFI FINANCIAL INC
May 08, 2017	Deed of Trust, Mortgage AFI FIN'L

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 20, 2016 · Amount on Record
Deed Sale	Jun 20, 2016 · Amount on Record
Prior Sale	Mar 27, 2013 · Amount on Record
Deed Document Number	201613666
Deed Book / Page	4719 / 557
Last Transfer Date	Feb 27, 2025
Transfer Doc	0005793297
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1203 RIVER RD, SAINT CLAIR, MI 48079-2805
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005213269
Date	Jul 16, 2020
Book Page	5213/269
Instrument	2020016164

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 30, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1203 RIVER RD, SAINT CLAIR, MI 48079-2805
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004857/102
Date	Aug 10, 2017
Book Page	4857/102
Instrument	2017019257

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48640

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1203 RIVER RD, SAINT CLAIR, MI 48079-2805
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005180321
Date	Apr 30, 2020
Book Page	5180/321
Instrument	2020010355

Lender

Name	AFI FINANCIAL INC
Type	Mortgage Company
Address	TAYLOR, MI 48180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1203 RIVER RD, SAINT CLAIR, MI 48079-2805
Document Number	0048330255
Book / Page	004833 / 000255
Instrument Date	May 08, 2017
Transaction Type	Mortgage
Record Updated	Jul 13, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1203 RIVER RD ST CLAIR MI 480792805, ST CLAIR, MI 48079-2805

Mortgage

Document Number	0048330255
Date	May 23, 2017
Book Page	004833/000255

Lender

Name	AFI FIN'L
Type	Funding / Finance Company
Address	BOCA RATON, FL 33428

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 22, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.75%

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	St. Clair Township
Unified School District	East China School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,680.00 (-29.04%) Homeowner's exemption	$277,400 (+26.67%)
2024	$5,186.00 (+7.5%)		$554,800 (+26.67%)
2023		$219,000
2022	$4,824.00		$438,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), updated July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476401001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1986–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2020, river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 34 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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