218 S Lester St, Capac, MI 48014 Property Records

St. Clair County property record for 218 S Lester St, Capac, MI 48014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1974
Lot Size	0.262 acres (11,413 sqft)
Owner	Individual Name on Record
Last Sale	$79,500 (Jun 2019)
Tax Bill	$1,687 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-40-750-0095-000`

Property Details

APN / Parcel Number

Primary APN	`74-40-750-0095-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Lot Area	11,413 sqft (0.262 acres)
Lot Depth	132 ft Depth
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	218 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 74 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	SUPRVRS JOHN BOWERS
Legal Lot Number	74
Legal Unit	74
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	218 S LESTER ST, CAPAC, MI 48014-3712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CU
Jun 11, 2019	Deed, Transfer · Conventional Mortgage CROSS COUNTRY MORTGAGE
Aug 15, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2019 · Amount on Record
Deed Sale	Jun 11, 2019 · Amount on Record
Prior Sale	Aug 15, 2018 · Amount on Record
Deed Document Number	201911873
Deed Book / Page	5065 / 103
Prior Transfer Date	Aug 9, 2018
Prior Transfer Doc	0049780198
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	218 S LESTER ST, CAPAC, MI 48014-3712
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	MASON BURGESS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 S LESTER ST, CAPAC, MI 48014-3712

Mortgage

Document Number	0005329242
Date	Mar 4, 2021
Book Page	5329/242
Instrument	2021006336

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union
Address	FLINT, MI 48507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 11, 2019
Property Address	218 S LESTER ST, CAPAC, MI 48014-3712
Document Number	0005065103
Book / Page	5065 / 103
Map Reference	LB 53 PG 3
Instrument Date	May 31, 2019
Instrument	2019011873
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2796 S VAN DYKE RD, IMLAY CITY, MI 48444-9730

Mortgage

Document Number	2019011874
Date	Jun 11, 2019
Instrument	2019011874

Lender

Name	CROSS COUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 15, 2018
Property Address	218 S LESTER ST, CAPAC, MI 48014-3712
Document Number	0049780198
Book / Page	004978 / 000198
Instrument Date	Aug 9, 2018
Transaction Type	Foreclosure
Record Updated	Aug 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$622.64
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

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		$75,400 (+12.37%)	$150,800 (+12.37%)
2025	$1,687.00 (+3.05%) Homeowner's exemption	$67,100 (+7.88%)
2024	$1,637.00 (+12.82%)		$134,200 (+7.88%)
2023		$62,200
2022	$1,451.00		$124,400

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 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.

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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