204 S Lester St, Capac, MI 48014 Property Records

St. Clair County property record for 204 S Lester St, Capac, MI 48014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,428 sqft · built 1997
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Aug 2019)
Tax Bill	$1,440 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-40-750-0089-000`

Property Details

APN / Parcel Number

Primary APN	`74-40-750-0089-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,428 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	204 S LESTER ST
City	CAPAC
State	MI
Zip	48014-3712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VILLAGE
Legal Description	LOT 68 EXC N 4 FT. SUPERVISOR JOHN BOWERS PLAT OF THE VILLAGE OF CAPAC SEC 21, 22, 27 & 28 T7N R13E
Legal Range	13E
Legal Township	07N
Legal Section	02
Legal Subdivision	JOHN BOWERS PLAT OF THE VILLAGE OF CAPAC
Legal Lot Number	68
Legal Unit	68
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	MUSSEY
Census Block Group	2
Census Block	2022
Census Tract	657100

Owner

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	204 S LESTER ST, CAPAC, MI 48014-3712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · FHA Mortgage MISSION LOANS LLC
Apr 28, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Feb 8, 2022	Deed of Trust, Mortgage · FHA Mortgage MISSION LOANS LLC
Aug 13, 2019	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2019 · Amount on Record
Deed Sale	Aug 13, 2019 · Amount on Record
Deed Document Number	201916398
Deed Book / Page	5085 / 49
Prior Transfer Date	Jun 14, 2019
Prior Transfer Doc	0000508549
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	204 N LESTER ST, CAPAC, MI 48014-3136
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 S LESTER ST, CAPAC, MI 48014-3712

Mortgage

Document Number	0005429423
Date	Oct 1, 2021
Book Page	5429/423
Instrument	2021027915

Lender

Name	MISSION LOANS LLC
Type	Mortgage Company
Address	DIAMOND BAR, CA 91765

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	204 N LESTER ST, CAPAC, MI 48014-3136
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005179153
Date	Apr 28, 2020
Book Page	5179/153
Instrument	2020010190

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	204 N LESTER ST, CAPAC, MI 48014-3136
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 S LESTER ST, CAPAC, MI 48014-3712

Mortgage

Document Number	0005484922
Date	Feb 8, 2022
Book Page	5484/922
Instrument	2022003234

Lender

Name	MISSION LOANS LLC
Type	Mortgage Company
Address	DIAMOND BAR, CA 91765

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Oct 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 13, 2019
Property Address	204 N LESTER ST, CAPAC, MI 48014-3136
Document Number	0050850049
Book / Page	005085 / 000049
Instrument Date	Jun 14, 2019
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 S LESTER ST MUSSEY MI 480143712, MUSSEY, MI 48014-3712

Mortgage

Document Number	50850051
Date	Aug 13, 2019
Book Page	005085/000051

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2049

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		$119,100 (+12.89%)	$238,200 (+12.89%)
2025	$1,440.00 (+2.93%) Homeowner's exemption	$105,500 (+9.33%)
2024	$1,399.00 (+12.82%)		$211,000 (+9.33%)
2023		$96,500
2022	$1,240.00		$193,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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.

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 197 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

May also be available: Mercury Fiber, Verizon.

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