St. Clair County property record for 14 4th St, Yale, MI 48097
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 902 sqft · built 1910 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $9,500 (Oct 2018) |
| Tax Bill | $2,090 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-08-670-0045-000 |
| Primary APN | 74-08-670-0045-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 902 sqft Living Area |
| 1st Floor Area | 902 sqft |
| Basement Area | 902 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 132 ft deep x 132 ft wide |
| Garage Area | 350 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 14 4TH ST |
|---|---|
| City | YALE |
| State | MI |
| Zip | 48097-2814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 15 & 16 BLK 4 PLAT OF REED & MC NUTTS ADDITION TO THE VILLAGE OF BROCKWAY CENTER |
| Legal Subdivision | PLAT OF REED & MC NUTTS ADD |
| Legal Block | 4 |
| Legal Lot Number | 15-16 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | YALE |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 655100 |
14 4th St is owned and occupied by an individual who bought it in October 2018.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14 4TH ST, YALE, MI 48097-2814 |
| 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 |
|---|---|
| Jul 22, 2022 | Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK |
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK |
| Oct 19, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2018 · Amount on File |
| Deed Sale | Oct 19, 2018 · Amount on File |
| Deed Document Number | 201823432 |
| Deed Book / Page | 4999 / 992 |
| Prior Transfer Date | Jan 4, 2017 |
| Prior Transfer Doc | 0047850223 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 14 4TH ST, YALE, MI 48097-2814 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 14 4TH ST, YALE, MI 48097-2814 |
| Document Number | 0005544814 |
|---|---|
| Date | Jul 22, 2022 |
| Book Page | 5544/814 |
| Instrument | 2022017497 |
| Name | CHOICEONE BANK |
|---|---|
| Type | Bank |
| Address | YALE, MI 48097 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jun 22, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 14 4TH ST, YALE, MI 48097-2814 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | LIBERTY TITLE |
| Name | Verified Name |
|---|---|
| Address | 14 4TH ST, YALE, MI 48097-2814 |
| Document Number | 5332403 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 5332/403 |
| Instrument | 2021007016 |
| Name | CHOICEONE BANK |
|---|---|
| Type | Bank |
| Address | SPARTA, MI 49345 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Oct 19, 2018 |
| Property Address | 14 4TH ST, YALE, MI 48097-2814 |
| Document Number | 0049990992 |
| Book / Page | 004999 / 000992 |
| Instrument Date | Oct 19, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $81.70 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 4TH ST YALE MI 480972814, YALE, MI 48097-2814 |
The 2025 property tax bill for 14 4th St was $2,090 with a homeowner's exemption, up 4% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| Municipality | Yale City |
| Unified School District | Yale Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $64,300 (+6.11%) | $128,600 | |
| 2025 | $2,090.00 (+4.03%) Homeowner's exemption | $60,600 | |
| 2024 | $2,009.00 | $121,200 | |
| 2023 | $51,700 | ||
| 2022 | $1,698.00 | $103,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 4th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 20, 2022
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 14 4th 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 96% of the US · lower than 91% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF YALE serves 1,900 people · EPA ID MI0007230 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | No certified operator Apr 2021 |
| 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 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AVS Broadband Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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