203 S Main St, Capac, MI 48014 Property Records

St. Clair County property record for 203 S Main St, Capac, MI 48014

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,927 sqft · built 1880
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,500 (Nov 2025)
Tax Bill	$2,561 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`74-40-950-0246-000`

Property Details

APN / Parcel Number

Primary APN	`74-40-950-0246-000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Building Area	1,927 sqft Living Area
1st Floor Area	1,452 sqft
Basement Area	1,452 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Ranch
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	203 S MAIN ST
City	CAPAC
State	MI
Zip	48014-3717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VILLAGE
Legal Description	LOT 1 B2S R1W PART OF THE VILLAGE OF CAPAC SEC 28 T7N R13E
Legal Range	13E
Legal Township	07N
Legal Section	28
Legal Subdivision	THE VILLAGE OF CAPAC
Legal Lot Number	1
Legal Unit	1
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	MUSSEY
Census Block Group	1
Census Block	1016
Census Tract	657100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8309 WASHINGTON BLVD, WASHINGTON, MI 48094-3929
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 30, 2025	Deed of Trust, Mortgage · FHA Mortgage SUPERIOR NATIONAL BANK
Nov 6, 2025	Warranty Deed, Transfer · FHA Mortgage SUPERIOR NATIONAL BANK
Jul 14, 2023	Warranty Deed, Transfer · Conventional Mortgage SECURITY CU
Aug 18, 2021	Warranty Deed, Transfer CRISLO TITLE COMPANY, CISLO TITLE COMPANY
Sep 23, 2020	Deed of Trust, Mortgage · Line of Credit ADVIA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2025 · Amount on Record
Deed Sale	Nov 6, 2025 · Amount on Record
Prior Sale	Jul 14, 2023 · Amount on Record
Deed Document Number	202521303
Deed Book / Page	5868 / 561
Prior Transfer Date	Sep 23, 2009
Prior Transfer Doc	3992/546
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	203 S MAIN ST, CAPAC, MI 48014-3717
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16190 ALMONT RD, ALLENTON, MI 48002-2801

Mortgage

Document Number	0005494528
Date	Mar 4, 2022
Book Page	5494/528
Instrument	2022005354

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	203 S MAIN ST, CAPAC, MI 48014-3717
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8309 WASHINGTON BLVD O, O, WASHINGTON, MI 48094-3929

Mortgage

Document Number	0005856500
Date	Sep 30, 2025
Book Page	5856/500
Instrument	2025018604

Lender

Name	SUPERIOR NATIONAL BANK
Type	Bank
Address	235 QUINCY ST, HANCOCK, MI 49930

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 6, 2025
Property Address	203 S MAIN ST, CAPAC, MI 48014-3717
Document Number	0005868561
Book / Page	5868 / 561
Map Reference	LB H PG 71-73
Instrument Date	Sep 24, 2025
Instrument	2025021303
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,481.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 S MAIN ST, CAPAC, MI 48014-3717

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8309 WASHINGTON BLVD # 0, WASHINGTON, MI 48094-3929

Mortgage

Document Number	2025018604
Date	Nov 6, 2025
Instrument	2025018604

Lender

Name	SUPERIOR NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2055

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 14, 2023
Property Address	203 S MAIN ST, CAPAC, MI 48014-3717
Document Number	0005637489
Book / Page	5637 / 489
Map Reference	LB H PG 72
Instrument Date	Jun 29, 2023
Instrument	2023012497
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16190 ALMONT RD, ALLENTON, MI 48002-2801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15122 W PARK ST, MUSSEY, MI 48014-3050

Mortgage

Document Number	2023012498
Date	Jul 14, 2023
Instrument	2023012498

Lender

Name	SECURITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 18, 2021
Property Address	203 S MAIN ST, CAPAC, MI 48014-3717
Document Number	54107
Book / Page	5410 / 7
Map Reference	LB H PG 71-74
Instrument Date	Aug 4, 2021
Instrument	2021023843
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	CRISLO TITLE COMPANY, CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$862.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7956 CHURCH RD, 7956, IMLAY CITY, MI 48444-9453

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16190 ALMONT RD, ALLENTON, MI 48002-2801

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	203 S MAIN ST, CAPAC, MI 48014-3717
Document Number	0052490894
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 S MAIN ST CAPAC MI 480143717, CAPAC, MI 48014-3717

Mortgage

Document Number	0052490894
Date	Sep 23, 2020
Book Page	005249/000894

Lender

Name	ADVIA CU
Type	Credit Union
Address	PARCHMENT, MI 49004

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 22, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Capac Village
County	St. Clair County
County Subdivision	Mussey Township
Unified School District	Capac Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$105,800 (+11.72%)	$211,600 (+11.72%)
2025	$2,561.00 (+2.89%) Homeowner's exemption	$94,700 (+11.15%)
2024	$2,489.00 (-25.79%)		$189,400 (+11.15%)
2023		$85,200
2022	$3,354.00		$170,400

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	VILLAGE OF CAPAC serves 1,775 people · EPA ID MI0001110
Water Source	Groundwater
Last State Inspection	Jun 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Mercury Fiber Fixed Wireless · Fiber in parts of the area	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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