230 McColl St, Yale, MI 48097 Property Records

St. Clair County property record for 230 McColl St, Yale, MI 48097

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,456 sqft · built 1992
Lot Size	0.315 acres (13,721 sqft)
Owner	2 Individual Names on File
Last Sale	$194,900 (Aug 2025)
Tax Bill	$3,037 (2025)
Deeds & Mortgages	Feb 2026 Transfer Aug 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-08-536-0004-000`

Property Details

APN / Parcel Number

Primary APN	`74-08-536-0004-000`

Interior

Full Baths	2 Baths
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	13,721 sqft (0.315 acres)
Lot Dimensions	137 ft deep x 100 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	230 MCCOLL ST
City	YALE
State	MI
Zip	48097-3332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 MOODY SUBDIVISION NO. 2
Legal Subdivision	MOODY
Legal Lot Number	14
Legal Unit	14
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	YALE
Census Block Group	1
Census Block	1030
Census Tract	655100

Owner

230 McColl St is owned and occupied by two individuals who acquired it in February 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	4709 KNOLL RD, MUSSEY, MI 48014-2707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Intrafamily Transfer, Transfer
Aug 11, 2025	Warranty Deed, Transfer · VA Mortgage UNION HOME MORTGAGE CORP
Jul 27, 2018	Warranty Deed, Transfer MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2025 · Amount on File
Deed Sale	Aug 11, 2025 · Amount on File
Prior Sale	Jul 27, 2018 · Amount on File
Deed Document Number	202514848
Deed Book / Page	5839 / 315
Last Transfer Date	Feb 5, 2026
Transfer Doc	0005898382
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 18, 2026
Property Address	230 MCCOLL ST, YALE, MI 48097-3332
Document Number	0005898382
Book / Page	5898 / 382
Instrument Date	Feb 5, 2026
Instrument	2026003147
Transaction Type	Transfer
Record Updated	Mar 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 MCCOLL ST, YALE, MI 48097-3332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 MCCOLL ST, YALE, MI 48097-3332

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 11, 2025
Property Address	230 MCCOLL ST, YALE, MI 48097-3332
Document Number	0005839315
Book / Page	5839 / 315
Map Reference	LB 79 PG 3 & 4
Instrument Date	Jul 18, 2025
Instrument	2025014848
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,462.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 MCCOLL ST, YALE, MI 48097-3332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6179 S M 66 HWY, MANCELONA, MI 49659-8790

Mortgage

Document Number	2025013560
Date	Aug 11, 2025
Instrument	2025013560

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 27, 2018
Property Address	230 MCCOLL ST, YALE, MI 48097-3332
Document Number	0049720136
Book / Page	004972 / 000136
Instrument Date	Jul 13, 2018
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	MARITIME TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,016.95
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	208 2ND ST #1 YALE MI 480972869, 1, YALE, MI 48097-2869

Mortgage

Document Number	49720140
Date	Jul 27, 2018
Book Page	004972/000140

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 230 McColl St was $3,037 with a homeowner's exemption, up 4% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
Municipality	Yale City
Unified School District	Yale Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,200 (+3.85%)	$194,400
2025	$3,037.00 (+4.04%) Homeowner's exemption	$93,600
2024	$2,919.00		$187,200
2023		$85,000
2022	$2,689.00		$170,000

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

FEMA maps place 230 McColl 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

Wildfire risk around 230 McColl 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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	CITY OF YALE serves 1,900 people · EPA ID MI0007230
Water Source	Groundwater
Last State Inspection	Feb 2026

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 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
AVS Broadband Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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