306 E Railroad St, Saint Johns, MI 48879 Property Records

Clinton County property record for 306 E Railroad St, Saint Johns, MI 48879

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,968 sqft
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$132,000 (Feb 2018)
Tax Bill	$1,671 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Dec 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`300-000-028-005-00`

Property Details

APN / Parcel Number

Primary APN	`300-000-028-005-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,968 sqft Living Area
1st Floor Area	984 sqft
Basement Area	984 sqft
Unfinished Basement	984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Multi-Family
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	128 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	202 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	306 E RAILROAD ST
City	SAINT JOHNS
State	MI
Zip	48879-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	T7N R2W, CITY OF ST JOHNS, ORIGINAL PLAT BLK 28, LOT 4 AND A PARCEL OF LAND 35 FT E & W BY 100 FT N & S OUT OF NW COR OF LOT
Legal Subdivision	BROWNS SUB
Legal Block	28
Legal Lot Number	4-5
Jurisdiction	CLINTON MI
Township / Civil Division	ST. JOHNS
Census Block Group	2
Census Block	2015
Census Tract	10801

Owner

306 E Railroad St is owned and occupied by an individual who bought it in February 2018.

Source: Clinton County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	306 E RAILROAD ST, SAINT JOHNS, MI 48879-1530
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 3, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Dec 6, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 13, 2018	Warranty Deed, Transfer · Conventional Mortgage CONSUMER REAL ESTATE FINANCE CO
Oct 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK OF MICHIGAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2018 · Amount on File
Deed Sale	Feb 13, 2018 · Amount on File
Deed Document Number	20185263551
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	306 E RAILROAD ST, SAINT JOHNS, MI 48879-1530
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E RAILROAD ST, SAINT JOHNS, MI 48879-1530

Mortgage

Document Number	0005358957
Date	Nov 3, 2025
Instrument	5358957

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2045

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	306 E RAILROAD ST, SAINT JOHNS, MI 48879-1530
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E RAILRQAD ST, SAINT JOHNS, MI 48879-1530

Mortgage

Document Number	0005331365
Date	Dec 6, 2022
Instrument	5331365

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	303 Months
Due	Mar 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	Feb 13, 2018
Property Address	306 E RAILROAD ST, SAINT JOHNS, MI 48879-1530
Document Number	5263551
Instrument Date	Feb 7, 2018
Instrument	5263551
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,135.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3986 W M 21, 3986, SAINT JOHNS, MI 48879-9504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 N CLINTON AVE, SAINT JOHNS, MI 48879-1651

Mortgage

Document Number	5263552
Date	Feb 13, 2018
Instrument	5263552

Lender

Name	CONSUMER REAL ESTATE FINANCE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	306 E RAILROAD ST, SAINT JOHNS, MI 48879-1530
Transaction Type	Mortgage
Record Updated	Oct 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 5258921
Date	Oct 3, 2017
Instrument	5258921

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2018
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	4.99%
Index	1-Year LIBOR
Max Rate	7.99%

Tax Assessment & Valuation

The 2025 property tax bill for 306 E Railroad St was $1,671 with a homeowner's exemption, down 59.1% from the year before.

Source: Clinton County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Clinton County
Municipality	St. Johns City
Unified School District	St. Johns Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$93,300 (+7%) Land $16,900 Building $76,400	$186,600 (+7%) Land $33,800 Building $152,800
2025	$1,671.00 (-59.08%) Homeowner's exemption	$87,200 Land $15,400 Building $71,800	$174,400 Land $30,800 Building $143,600
2024	$4,084.00 (+44.21%)
2023	$2,832.00 Homeowner's exemption	$74,300	$148,600
2022	$2,832.00

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

Flood

FEMA maps place 306 E Railroad St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 3, 2011

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

The area around 306 E Railroad St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	CITY OF ST. JOHNS serves 7,896 people · EPA ID MI0006300
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2022–2024) action level 15 ppb

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 366 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: DayStarr, Point Broadband, Westphalia Broadband.

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