St. Clair County property record for 1311 River Rd, Saint Clair, MI 48079 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,651 sqft · built 1984 |
| Lot Size | 0.402 acres (17,511 sqft) |
| Owner | Individual Name on File |
| Last Sale | $355,000 (Apr 2018) |
| Tax Bill | $4,349 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2026 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-30-850-0035-000 |
| Primary APN | 74-30-850-0035-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 3,651 sqft Living Area |
| 1st Floor Area | 2,155 sqft 1st Floor |
| Stories | 1 Story |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Lot Area | 17,511 sqft (0.402 acres) |
| Lot Dimensions | 350 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 588 sqft Garage |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1311 RIVER RD |
|---|---|
| City | SAINT CLAIR |
| State | MI |
| Zip | 48079-2804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 26 EX N 50' SUPERVISORS GEORGE SMITH FARM PLAT T5NR17E |
| Legal Subdivision | SUPERVISORS GEORGE SMITH FARM PLAT |
| Legal Lot Number | 26 |
| Legal Unit | 26 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ST. CLAIR |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 640100 |
Source: St. Clair County records · APN 74-30-850-0035-000
Assessment roll updated October 7, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1311 RIVER RD, SAINT CLAIR, MI 48079-2804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS AND GOV'T CREDIT UNION |
| Feb 04, 2026 | Deed of Trust, Mortgage · Line of Credit MICHIGAN SCHOOLS & GOVERNMENT CU |
| Jan 05, 2021 | Deed of Trust, Mortgage · Conventional with PMI AMERIFIRST FIN'L CORP |
| Sep 22, 2018 | Deed of Trust, Mortgage · Line of Credit ADVIA CU |
| Jun 26, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Apr 16, 2018 | Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 16, 2018 · Amount on Record |
| Deed Sale | Apr 16, 2018 · Amount on Record |
| Deed Document Number | 20188470 |
| Deed Book / Page | 4935 / 287 |
| Last Transfer Date | Jun 26, 2018 |
| Transfer Doc | 0004961586 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | May 11, 2026 |
| Property Address | 1311 RIVER RD, SAINT CLAIR, MI 48079-2804 |
| Document Number | 0000009466 |
| Book / Page | 5922 / 846 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 20269466 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1311 RIVER RD, SAINT CLAIR, MI 48079-2804 |
| Document Number | 0000009466, |
|---|---|
| Date | May 11, 2026 |
| Book Page | 5922/846 |
| Instrument | 20269466 |
| Name | MICHIGAN SCHOOLS AND GOV'T CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 15, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.75% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1311 RIVER RD, SAINT CLAIR, MI 48079-2804 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 40400 GARFIELD RD, CLINTON TOWNSHIP, MI 48038-4004 |
| Document Number | 0005894986 |
|---|---|
| Date | Feb 04, 2026 |
| Book Page | 5894/986 |
| Instrument | 2026002351 |
| Name | MICHIGAN SCHOOLS & GOVERNMENT CU |
|---|---|
| Type | Credit Union |
| Address | 40400 GARFIELD RD, CLINTON TOWNSHIP, MI 48038 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 28, 2051 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1311 RIVER RD, SAINT CLAIR, MI 48079-2804 |
| Document Number | 0053010664 |
| Instrument Date | Jan 05, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 09, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1311 RIVER RD ST CLAIR MI 480792804, ST CLAIR, MI 48079-2804 |
| Document Number | 0053010664 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 005301/000664 |
| Name | AMERIFIRST FIN'L CORP |
|---|---|
| Address | 950 TRADE CENTRE WAY, PORTAGE, MI 49002-0487 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 12, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1311 RIVER RD, SAINT CLAIR, MI 48079-2804 |
| Document Number | 0049930473 |
| Instrument Date | Sep 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1311 RIVER RD ST CLAIR MI 480792804, ST CLAIR, MI 48079-2804 |
| Document Number | 0049930473 |
|---|---|
| Date | Oct 01, 2018 |
| Book Page | 004993/000473 |
| Name | ADVIA CU |
|---|---|
| Type | Credit Union |
| Address | PARCHMENT, MI 49004 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 30, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jun 26, 2018 |
| Property Address | 1311 RIVER RD, SAINT CLAIR, MI 48079-2804 |
| Document Number | 0049610586 |
| Book / Page | 004961 / 000586 |
| Instrument Date | Jun 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1311 RIVER RD ST CLAIR MI 480792804, ST CLAIR, MI 48079-2804 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Apr 16, 2018 |
| Property Address | 1311 RIVER RD, SAINT CLAIR, MI 48079-2804 |
| Document Number | 0004935287 |
| Book / Page | 4935 / 287 |
| Map Reference | LB53 PG35 |
| Instrument Date | Mar 27, 2018 |
| Instrument | 2018008470 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | ATA NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,053.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 82 RELLA RAE AVE, MARYSVILLE, MI 48040-2559 |
| Document Number | 0049350288 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 4935/288 |
| Instrument | 2018008471 |
| Name | AMERIFIRST FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2048 |
| Rate Type | Fixed Rate |
|---|
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | St. Clair Township |
| Unified School District | East China School District (KG - 12) |
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 | $4,349.00 (-28.51%) Homeowner's exemption | $306,900 (+24.81%) | |
| 2024 | $6,083.00 (+7.3%) | $613,800 (+24.81%) | |
| 2023 | $245,900 | ||
| 2022 | $5,669.00 | $491,800 |
Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), updated July 20, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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; lenders make the official flood determination.
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