238 N Lester St, Capac, MI 48014 Property Records

St. Clair County property record for 238 N Lester St, Capac, MI 48014

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,050 sqft · built 1994
Lot Size	2.58 acres (112,428 sqft)
Owner	Individual Name on Record
Last Sale	$25,000 (Aug 2023)
Tax Bill	$2,380 (2024)
Deeds & Mortgages	Feb 2026 Second Mortgage Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-40-750-0035-000`

Property Details

APN / Parcel Number

Primary APN	`74-40-750-0035-000`
Alternative APN	`74-40-750-0035-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,050 sqft Living Area

Exterior

Year Built	Built 1994
Architectural Style	Modular
Lot Area	112,428 sqft (2.58 acres)
Lot Depth	591 ft Depth
Garage Area	1,776 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	74407500035000
Street Address	238 N LESTER ST
City	CAPAC
State	MI
Zip	48014-3136
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	VILLAGE
Legal Description	PART OF LOT 13 & LOT 22 DESC AS: BEG AT NW COR OF LOT 13, TH S 89D 01M 49S E 591.81', TH S 00D 02M 50S E 301.80', TH N 89D
Legal Subdivision	SUPRVRS JOHN BOWERS
Legal Lot Number	13,22
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	MUSSEY
Census Block Group	2
Census Block	2010
Census Tract	657100

Owner

Source: St. Clair County records, as of October 6, 2025

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	238 N LESTER ST, CAPAC, MI 48014-3136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GENISYS CU
Mar 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 28, 2020	Deed of Trust, Mortgage · Line of Credit GENISYS CU
Apr 19, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2023 · Amount on Record
Deed Sale	Aug 4, 2023 · Amount on Record
Prior Sale	Apr 19, 2019
Deed Document Number	2023013823
Deed Book / Page	5643 / 718
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	238 N LESTER ST, CAPAC, MI 48014-3136
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 N LESTER ST, CAPAC, MI 48014-3136

Mortgage

Document Number	0005899603
Date	Feb 23, 2026
Book Page	5899/603
Instrument	2026003443

Lender

Name	GENISYS CU
Type	Credit Union
Address	2100 EXECUTIVE HILLS DR, AUBURN HILLS, MI 48326

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 23, 2041

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	238 N LESTER ST, CAPAC, MI 48014-3136
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 N LESTER ST, CAPAC, MI 48014-3136

Mortgage

Document Number	0005602599
Date	Mar 3, 2023
Book Page	5602/599
Instrument	2023003474

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2043

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	238 N LESTER ST, CAPAC, MI 48014-3136
Transaction Type	Mortgage
Record Updated	Sep 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 N LESTER ST, CAPAC, MI 48014-3136

Mortgage

Document Number	0005293906
Date	Dec 28, 2020
Book Page	5293/906
Instrument	2020032782

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Nov 24, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 19, 2019
Property Address	238 N LESTER ST, CAPAC, MI 48014-3136
Document Number	0050490225
Book / Page	005049 / 000225
Instrument Date	Apr 19, 2019
Transaction Type	Transfer
Record Updated	Apr 26, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 N LESTER ST CAPAC MI 480143136, CAPAC, MI 48014-3136

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 2025

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
2025		$115,500 (+16.43%)
2024	$2,380.00 (+50.63%)		$231,000 (+16.43%)
2023		$99,200
2022	$1,580.00		$198,400

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 93% of the US · lower than 83% 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	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 252 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: Highline Internet, Verizon.

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