1205 S 12th St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 1205 S 12th St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,737 sqft · built 1970
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Dec 2023)
Tax Bill	$4,176 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Dec 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-510-0013-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-510-0013-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,737 sqft Living Area
1st Floor Area	1,275 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1205 S 12TH ST
City	SAINT CLAIR
State	MI
Zip	48079-4941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	LOT 18 RALPH MAYHEW PLAT
Legal Subdivision	RALPH MAYHEW PLAT
Legal Lot Number	18
Legal Unit	18
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	3
Census Block	3014
Census Tract	642000

Owner

1205 S 12th St is owned and occupied by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1205 S 12TH ST, SAINT CLAIR, MI 48079-4941
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
Nov 1, 2023	Deed of Trust, Mortgage · VA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Dec 1, 2023	Warranty Deed, Transfer NOT AVAILABLE, LUXURY TITLE SERVICES LLC
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Feb 6, 2017	Warranty Deed, Transfer · FHA Mortgage HURON VALLEY FINANCIAL INC
Jan 14, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2023 · Amount on File
Deed Sale	Dec 1, 2023 · Amount on File
Prior Sale	Feb 6, 2017 · Amount on File
Deed Document Number	202320981
Deed Book / Page	5674 / 188
Transfer Doc	0005023568
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1205 S 12TH ST, SAINT CLAIR, MI 48079-4941
Transaction Type	Mortgage
Record Updated	Jan 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 S 12TH ST, SAINT CLAIR, MI 48079-4941

Mortgage

Document Number	0005667639
Date	Nov 1, 2023
Book Page	5667/639
Instrument	2023019491

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Type	Mortgage Company
Address	ANN ARBOR, MI 48108

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 1, 2023
Property Address	1205 S 12TH ST, SAINT CLAIR, MI 48079-4941
Document Number	0005674188
Book / Page	5674 / 188
Map Reference	LB 56 PG 26
Instrument Date	Oct 27, 2023
Instrument	2023020981
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	NOT AVAILABLE, LUXURY TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1205 S 12TH ST, SAINT CLAIR, MI 48079-4941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8531 GEORGE, CENTER LINE, MI 48015-1733

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1205 S 12TH ST, SAINT CLAIR, MI 48079-4941
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051620636
Date	Mar 11, 2020
Book Page	5162/636
Instrument	2020006129

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 6, 2017
Property Address	1205 S 12TH ST, SAINT CLAIR, MI 48079-4941
Document Number	0004797/74
Book / Page	4797 / 74
Map Reference	PL 56 PG 26
Instrument Date	Jan 27, 2017
Instrument	2017002998
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1205 S 12TH ST, 1205, SAINT CLAIR, MI 48079-4941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51173 CENTRAL VILLAGE RD # 20, 20, CHESTERFIELD, MI 48047-1344

Mortgage

Document Number	0047970076
Date	Feb 6, 2017
Book Page	4797/76
Instrument	2017002999

Lender

Name	HURON VALLEY FINANCIAL INC
Type	Mortgage Company
Address	ANN ARBOR, MI 48103

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 14, 2019
Property Address	1205 S 12TH ST, SAINT CLAIR, MI 48079-4941
Document Number	0050230568
Book / Page	005023 / 000568
Instrument Date	Jan 22, 2017
Transaction Type	Transfer
Record Updated	Jan 31, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1205 S 12TH ST ST CLAIR MI 480794941, ST CLAIR, MI 48079-4941

Tax Assessment & Valuation

The 2025 property tax bill for 1205 S 12th St was $4,176 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		$112,300 (+1.81%)	$224,600
2025	$4,176.00 (+2.81%) Homeowner's exemption	$110,300
2024	$4,062.00		$220,600
2023		$101,200
2022	$3,428.00		$202,400

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.

Flood

FEMA maps place 1205 S 12th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 1205 S 12th 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 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 116 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: Duke Broadband.

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