St. Clair County property record for 1305 Adams St, Saint Clair, MI 48079
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,448 sqft · built 1920 |
| Lot Size | 1.13 acres (49,615 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Aug 2018) |
| Tax Bill | $6,445 (2025) |
| Deeds & Mortgages | Nov 2022 Second Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-07-053-0213-000 |
| Primary APN | 74-07-053-0213-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,448 sqft Living Area |
| 1st Floor Area | 1,876 sqft |
| Basement Area | 1,513 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 49,615 sqft (1.13 acres) |
| Lot Dimensions | 310 ft deep x 160 ft wide |
| Garage Area | 1,792 sqft |
| Parking Spaces | 6 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1305 ADAMS ST |
|---|---|
| City | SAINT CLAIR |
| State | MI |
| Zip | 48079-4875 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 LOW DE |
| Legal Description | E190' OF 5 A LOT 80 EXC PH & D RR R/W MAP OF PC 304 & 305 |
| Legal Subdivision | PORT HURON |
| Legal Lot Number | 80 |
| Legal Unit | 80 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ST. CLAIR |
| Census Block Group | 5 |
| Census Block | 5008 |
| Census Tract | 642000 |
1305 Adams St is owned and occupied by an individual who bought it in August 2018.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1305 ADAMS ST, SAINT CLAIR, MI 48079-4875 |
| 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.
| Date | Document |
|---|---|
| Nov 17, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU |
| Dec 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Aug 30, 2018 | Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP |
| Nov 7, 2017 | Warranty Deed, Transfer · FHA Mortgage FIRST ST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 30, 2018 · Amount on File |
| Deed Sale | Aug 30, 2018 · Amount on File |
| Prior Sale | Nov 7, 2017 · Amount on File |
| Deed Document Number | 201819612 |
| Deed Book / Page | 4983 / 604 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1305 ADAMS ST, SAINT CLAIR, MI 48079-4875 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1305 ADAMS ST, SAINT CLAIR, MI 48079-4875 |
| Document Number | 0005579259 |
|---|---|
| Date | Nov 17, 2022 |
| Book Page | 5579/259 |
| Instrument | 2022025734 |
| Name | MICHIGAN SCHOOLS & GOVERNMENT CU |
|---|---|
| Type | Credit Union |
| Address | TROY, MI 48098 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 15, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1305 ADAMS ST, SAINT CLAIR, MI 48079-4875 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1305 ADAMS ST, SAINT CLAIR, MI 48079-4875 |
| Document Number | 0052870210 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 5287/210 |
| Instrument | 2020031454 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Aug 30, 2018 |
| Property Address | 1305 ADAMS ST, SAINT CLAIR, MI 48079-4875 |
| Document Number | 0004983604 |
| Book / Page | 4983 / 604 |
| Map Reference | LB D PG 36 |
| Instrument Date | Aug 20, 2018 |
| Instrument | 2018019612 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | ATA NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,193.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18255 WHALEN DR, CLINTON TWP, MI 48035-5016 |
| Document Number | 2018019613 |
|---|---|
| Date | Aug 30, 2018 |
| Instrument | 2018019613 |
| Name | UNION HOME MORTGAGE CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Nov 7, 2017 |
| Property Address | 1305 ADAMS ST, SAINT CLAIR, MI 48079-4875 |
| Document Number | 0048870806 |
| Book / Page | 004887 / 000806 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22400 BAYVIEW DR ST CLAIR SHORES MI 480812408, ST CLAIR SHORES, MI 48081-2408 |
| Document Number | 48870807 |
|---|---|
| Date | Nov 7, 2017 |
| Book Page | 004887/000807 |
| Name | FIRST ST BK |
|---|---|
| Type | Bank |
| Address | CLINTON TOWNSHIP, MI 48038 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 6, 2047 |
The 2025 property tax bill for 1305 Adams St was $6,445 with a homeowner's exemption, up 3.5% 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 | $226,400 (+0.44%) | $452,800 | |
| 2025 | $6,445.00 (+3.52%) Homeowner's exemption | $225,400 | |
| 2024 | $6,226.00 | $450,800 | |
| 2023 | $192,100 | ||
| 2022 | $5,773.00 | $384,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1305 Adams St in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
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 risk around 1305 Adams 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 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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