316 Royal St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 316 Royal St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,803 sqft · built 1900
Lot Size	0.108 acres (4,704 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Jan 2011)
Tax Bill	$1,898 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-103-0039-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-103-0039-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,803 sqft Living Area
1st Floor Area	1,141 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	4,704 sqft (0.108 acres)
Lot Dimensions	80 ft deep x 26 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	316 ROYAL ST
City	SAINT CLAIR
State	MI
Zip	48079-5425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	W40' OF LOT 37 ASSESSORS SUBD OF LOTS 1, 20 & 21 OF SUBD OF PART OF PC 304 & 305 ALSO S 120' OF LOT A LIEBERMAN & BAIRD ADDT
Legal Subdivision	ASSESSORS
Legal Lot Number	A,37,1
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	4
Census Block	4001
Census Tract	642000

Owner

316 Royal St is owned and occupied by an individual who acquired it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	316 ROYAL ST, SAINT CLAIR, MI 48079-5425
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
Apr 6, 2020	Deed of Trust, Mortgage · Commercial Mortgage CHEMICAL BANK
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 7, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2011 · Amount on File
Deed Sale	Jan 5, 2011 · Amount on File
Prior Sale	Dec 10, 2008 · Amount on File
Deed Document Number	2011443
Deed Book / Page	4102 / 618
Last Transfer Date	Aug 17, 2021
Transfer Doc	5417794
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	316 ROYAL ST, SAINT CLAIR, MI 48079-5425
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5170418
Date	Apr 6, 2020
Book Page	5170/418
Instrument	2020007729

Lender

Name	CHEMICAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	316 ROYAL ST, SAINT CLAIR, MI 48079-5425
Transaction Type	Mortgage
Record Updated	Sep 13, 2021
Title Company	ATA NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 ROYAL ST, SAINT CLAIR, MI 48079-5425

Mortgage

Document Number	5404123
Date	Aug 5, 2021
Book Page	5404/123
Instrument	2021022596

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 7, 2021
Property Address	316 ROYAL ST, SAINT CLAIR, MI 48079-5425
Document Number	5417794
Book / Page	5417 / 794
Instrument Date	Aug 17, 2021
Instrument	2021025539
Transaction Type	Transfer
Record Updated	Sep 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	316 ROYAL ST, SAINT CLAIR, MI 48079-5425

Tax Assessment & Valuation

The 2025 property tax bill for 316 Royal St was $1,898 with a homeowner's exemption, up 2.8% 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	St. Clair City
Unified School District	East China School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,200 (+1.13%)	$160,400
2025	$1,898.00 (+2.82%) Homeowner's exemption	$79,300
2024	$1,846.00		$158,600
2023		$64,600
2022	$1,716.00		$129,200

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

Flood

FEMA maps place 316 Royal St in Zone X, an area of minimal flood risk.

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

The area around 316 Royal 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. 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 434 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Duke Broadband.

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