304 W Mill St, Capac, MI 48014 Property Records

St. Clair County property record for 304 W Mill St, Capac, MI 48014

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,177 sqft · built 1900
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Apr 2025)
Tax Bill	$1,680 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-40-950-0243-000`

Property Details

APN / Parcel Number

Primary APN	`74-40-950-0243-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,177 sqft Living Area
1st Floor Area	820 sqft
Basement Area	820 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	304 W MILL ST
City	CAPAC
State	MI
Zip	48014-3026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VILLAGE
Legal Description	E 50 FT LOT 11 B1S R3W PART OF THE VILLAGE OF CAPAC SEC 28 T7N R13E
Legal Range	13E
Legal Township	07N
Legal Section	28
Legal Subdivision	VILLAGE OF CAPAC
Legal Lot Number	11
Legal Unit	11
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	MUSSEY
Census Block Group	1
Census Block	1024
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	2 Individual Names on Record
Mailing Address	267 QUAIL RIDGE DR, CAPAC, MI 48014-3744
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Nov 30, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
May 15, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE 1 AT SUBURBAN
May 29, 2016	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2025 · Amount on Record
Deed Sale	Apr 30, 2025 · Amount on Record
Prior Sale	Apr 9, 2021 · Amount on Record
Deed Document Number	20258248
Deed Book / Page	5809 / 558
Prior Transfer Date	Mar 2, 2011
Prior Transfer Doc	004126/766
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 9, 2021
Property Address	304 W MILL ST, CAPAC, MI 48014-3026
Document Number	0005349414
Book / Page	5349 / 414
Map Reference	LB H PG 72
Instrument Date	Mar 29, 2021
Instrument	2021011199
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,297.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 W MILL ST, 304, CAPAC, MI 48014-3026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3294 PHILLIPS AVE, BERKLEY, MI 48072-1110

Mortgage

Document Number	0005343774
Date	Mar 31, 2021
Book Page	5343/774
Instrument	2021009309

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	304 W MILL ST, CAPAC, MI 48014-3026
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 W MILL ST, CAPAC, MI 48014-3026

Mortgage

Document Number	0052800242
Date	Nov 30, 2020
Book Page	5280/242
Instrument	2020030223

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 15, 2018
Property Address	304 W MILL ST, CAPAC, MI 48014-3026
Document Number	0049450913
Book / Page	004945 / 000913
Instrument Date	May 3, 2018
Transaction Type	Transfer
Record Updated	Jun 29, 2018
Title Company	CENTRAL LAND AGENCY, CENTRAL LAND AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13277 TIBBETS RD RILEY MI 480411074, RILEY, MI 48041-1074

Mortgage

Document Number	49510788
Date	May 15, 2018
Book Page	004951/000788

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

May 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	304 W MILL ST, CAPAC, MI 48014-3026
Document Number	0050630098
Instrument Date	May 29, 2016
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 W MILL ST CAPAC MI 480143026, CAPAC, MI 48014-3026

Mortgage

Document Number	0050630098
Date	Jun 5, 2019
Book Page	005063/000098

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 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		$77,200 (+14.2%)	$154,400 (+14.2%)
2025	$1,680.00 (+2.88%) Homeowner's exemption	$67,600 (+11.55%)
2024	$1,633.00 (+12.78%)		$135,200 (+11.55%)
2023		$60,600
2022	$1,448.00		$121,200

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	Low lower than 95% of the US · lower than 89% 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 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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