312 Brown St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 312 Brown St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,878 sqft · built 1947
Lot Size	0.257 acres (11,238 sqft)
Owner	Individual Name on Record
Last Sale	$238,000 (Apr 2018)
Tax Bill	$5,254 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-230-0007-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-230-0007-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	2,878 sqft Living Area
Basement Area	948 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Lot Area	11,238 sqft (0.257 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Area	538 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Account Number	74072300007000
Street Address	312 BROWN ST
City	SAINT CLAIR
State	MI
Zip	48079-4885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DENSITY
Legal Description	LOTS 26 & 27 INCL 1/2 VAC ALLEY AS REC L 855 PG 237 DROMORE PARK SUBDIVISION ACCORDING TO THE PLAT RECORDED IN LIBER 33 OF
Legal Subdivision	DROMORE PARK
Legal Lot Number	26-27 27
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7011
Census Tract	642000

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	312 BROWN ST, SAINT CLAIR, MI 48079-4885
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED TRUST BANK
Apr 9, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Apr 24, 2018	Deed, Transfer · VA Mortgage GOLDSTAR MORTGAGE FINL GROUP
Feb 17, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2018 · Amount on Record
Deed Sale	Apr 24, 2018 · Amount on Record
Deed Document Number	2018009433
Deed Book / Page	4937 / 829
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	312 BROWN ST, SAINT CLAIR, MI 48079-4885
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 BROWN ST, SAINT CLAIR, MI 48079-4885

Mortgage

Document Number	0005506583
Date	Apr 4, 2022
Book Page	5506/583
Instrument	2022008749

Lender

Name	UNITED TRUST BANK
Type	Bank
Address	PALOS HEIGHTS, IL 60463

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	312 BROWN ST, SAINT CLAIR, MI 48079-4885
Document Number	0050490915
Instrument Date	Apr 9, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2019
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 BROWN ST ST CLAIR MI 480794885, ST CLAIR, MI 48079-4885

Mortgage

Document Number	0050490915
Date	Apr 23, 2019
Book Page	005049/000915

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2049

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 24, 2018
Property Address	312 BROWN ST, SAINT CLAIR, MI 48079-4885
Document Number	0004937829
Book / Page	4937 / 829
Map Reference	LB 33 PG 6
Instrument Date	Apr 4, 2018
Instrument	2018009433
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,046.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32851 GRATIOT AVE, ROSEVILLE, MI 48066-1151

Mortgage

Document Number	2018009434
Date	Apr 24, 2018
Instrument	2018009434

Lender

Name	GOLDSTAR MORTGAGE FINL GROUP

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	312 BROWN ST, SAINT CLAIR, MI 48079-4885
Document Number	0048040075
Book / Page	004804 / 000075
Instrument Date	Feb 17, 2017
Transaction Type	Mortgage
Record Updated	Apr 5, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	312 BROWN ST ST CLAIR MI 480794885, ST CLAIR, MI 48079-4885

Mortgage

Document Number	0048040075
Date	Feb 27, 2017
Book Page	004804/000075

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
Municipality	St. Clair City
Unified School District	East China School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$167,200 (+4.3%)
2024	$5,254.00 (+7.58%)		$334,400 (+4.3%)
2023		$160,300
2022	$4,884.00		$320,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 99.1% of the US · lower than 98.4% 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	CITY OF ST. CLAIR serves 5,464 people · EPA ID MI0006270
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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 178 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: AT&T.

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