320 S Carney Dr, Saint Clair, MI 48079 Property Records

St. Clair County property record for 320 S Carney Dr, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,566 sqft · built 1996
Lot Size	0.315 acres (13,721 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Dec 2014)
Tax Bill	$5,294 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`74-07-565-0015-019`

Property Details

APN / Parcel Number

Primary APN	`74-07-565-0015-019`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,566 sqft Living Area
1st Floor Area	1,424 sqft
Basement Area	1,094 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	13,721 sqft (0.315 acres)
Lot Dimensions	156 ft deep x 87.6 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 S CARNEY DR
City	SAINT CLAIR
State	MI
Zip	48079-5570
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	LOT 92 AND THE N 29.18' OF LOT 91 NORBY ST CLAIR SUBDIVISION
Legal Subdivision	NORBY ST CLAIR
Legal Lot Number	91-92
Legal Unit	92,91
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	5
Census Block	5007
Census Tract	642000

Owner

320 S Carney Dr is owned and occupied by an individual who bought it in December 2014.

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

Owner of Record	Individual Name on File
Mailing Address	320 S CARNEY DR, SAINT CLAIR, MI 48079-5570
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2014 · Amount on File
Deed Sale	Dec 22, 2014 · Amount on File
Deed Document Number	201428072
Deed Book / Page	4564 / 227
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	320 S CARNEY DR, SAINT CLAIR, MI 48079-5570
Transaction Type	Mortgage
Record Updated	Oct 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 S CARNEY DR, SAINT CLAIR, MI 48079-5570

Mortgage

Document Number	0005565654
Date	Sep 28, 2022
Book Page	5565/654
Instrument	2022022448

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 320 S Carney Dr was $5,294 with a homeowner's exemption, up 3.6% 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		$204,100 (+1.74%)	$408,200
2025	$5,294.00 (+3.58%) Homeowner's exemption	$200,600
2024	$5,111.00		$401,200
2023		$163,300
2022	$4,746.00		$326,600

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

Flood

FEMA maps place 320 S Carney Dr 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	3 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

Wildfire risk around 320 S Carney Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 95% 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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Duke Broadband.

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