St. Clair County property record for 1578 Garden Ct, Saint Clair, MI 48079
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,326 sqft · built 1991 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,899 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jan 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-30-200-0010-000 |
| Primary APN | 74-30-200-0010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,326 sqft Living Area |
| 1st Floor Area | 1,326 sqft |
| Basement Area | 1,166 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 165 ft deep x 68.7 ft wide |
| Garage Area | 1,036 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1578 GARDEN CT |
|---|---|
| City | SAINT CLAIR |
| State | MI |
| Zip | 48079-3503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-1 |
| Legal Description | LOT 142 BLUE RIVER GARDENS SUBDIVISION NO. 2 |
| Legal Subdivision | BLUE RIVER GARDENS SUBDIVISION |
| Legal Lot Number | 142 |
| Legal Unit | 142 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ST. CLAIR |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 640100 |
Source: St. Clair County records, as of September 17, 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 Record |
|---|---|
| Mailing Address | 1578 GARDEN CT, SAINT CLAIR, MI 48079-3503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 18, 2026 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK |
| Jan 27, 2021 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Oct 15, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 17, 2024 |
| Deed Sale | Jun 17, 2024 |
| Prior Sale | Oct 15, 2020 · Amount on Record |
| Deed Document Number | 202410605 |
| Deed Book / Page | 5721 / 610 |
| Prior Transfer Date | Jun 3, 2024 |
| Prior Transfer Doc | 0005721610 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1578 GARDEN CT, SAINT CLAIR, MI 48079-3503 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1578 GARDEN CT, SAINT CLAIR, MI 48079-3503 |
| Document Number | 0005898542 |
|---|---|
| Date | Feb 18, 2026 |
| Book Page | 5898/542 |
| Instrument | 2026003189 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 585 SOUTH BLVD E, PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1578 GARDEN CT, SAINT CLAIR, MI 48079-3503 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0047870450 |
|---|---|
| Date | Jan 9, 2017 |
| Book Page | 4787/450 |
| Instrument | 2017000634 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | WYOMING, MI 49519 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5% |
| Index | 1-Year CMT |
| Max Rate | 8% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 27, 2021 |
| Property Address | 1578 GARDEN CT, SAINT CLAIR, MI 48079-3503 |
| Document Number | 0053080473 |
| Book / Page | 005308 / 000473 |
| Instrument Date | Oct 5, 2020 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1578 GARDEN CT ST CLAIR MI 480793503, ST CLAIR, MI 48079-3503 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Oct 15, 2020 |
| Property Address | 1578 GARDEN CT, SAINT CLAIR, MI 48079-3503 |
| Document Number | 0005256762 |
| Book / Page | 5256 / 762 |
| Map Reference | LB 57 PG 28 |
| Instrument Date | Oct 2, 2020 |
| Instrument | 2020025543 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | CISLO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,372.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 195 FARRIER LN, 195, WINCHESTER, VA 22602-2102 |
| Name | Verified Name |
|---|---|
| Address | 1617 JONES PL, PORT HURON, MI 48060-8800 |
| Document Number | 2020025544 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 2020025544 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | St. Clair Township |
| Unified School District | East China School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $126,600 (-5.45%) | $253,200 (-5.45%) | |
| 2025 | $4,899.00 (+4.19%) | $133,900 (+13.28%) | |
| 2024 | $4,702.00 (+9.65%) | $267,800 (+13.28%) | |
| 2023 | $118,200 | ||
| 2022 | $4,288.00 | $236,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 169 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures