St. Clair County property record for 4 4th St, Yale, MI 48097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,790 sqft · built 1940 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Sep 2023) |
| Tax Bill | $2,773 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-08-670-0049-000 |
| Primary APN | 74-08-670-0049-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,790 sqft Living Area |
| 1st Floor Area | 1,118 sqft |
| Basement Area | 1,118 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4 4TH ST |
|---|---|
| City | YALE |
| State | MI |
| Zip | 48097-2814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 20 BLK 4 PLAT OF REED & MC NUTTS ADDITION TO THE VILLAGE OF BROCKWAY CENTER |
| Legal Subdivision | PLAT OF REED & MC NUTTS ADD |
| Legal Block | 4 |
| Legal Lot Number | 20 |
| Legal Unit | 20 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | YALE |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 655100 |
Source: St. Clair County records · APN 74-08-670-0049-000
Assessment roll updated October 7, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 4 4TH ST, YALE, MI 48097-2814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 07, 2023 | Warranty Deed, Transfer · FHA Mortgage ROSS MORTGAGE CORP |
| Dec 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MIMUTUAL MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 07, 2023 · Amount on Record |
| Deed Sale | Sep 07, 2023 · Amount on Record |
| Prior Sale | Jun 24, 2015 · Amount on Record |
| Deed Document Number | 202315828 |
| Deed Book / Page | 5652 / 549 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Sep 07, 2023 |
| Property Address | 4 4TH ST, YALE, MI 48097-2814 |
| Document Number | 0005652549 |
| Book / Page | 5652 / 549 |
| Map Reference | LB 4 PG 34 |
| Instrument Date | Aug 15, 2023 |
| Instrument | 2023015828 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2023 |
| Title Company | LIBERTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,425.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 4TH ST, YALE, MI 48097-2814 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 209 GUY ST, YALE, MI 48097-2929 |
| Document Number | 2023015829 |
|---|---|
| Date | Sep 07, 2023 |
| Instrument | 2023015829 |
| Name | ROSS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 4 4TH ST, YALE, MI 48097-2814 |
| Document Number | 0052880113 |
| Instrument Date | Dec 03, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4 4TH ST YALE MI 480972814, YALE, MI 48097-2814 |
| Document Number | 0052880113 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 005288/000113 |
| Name | MIMUTUAL MTG |
|---|---|
| Address | PORT HURON, MI 48060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 13, 2050 |
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| Municipality | Yale City |
| Unified School District | Yale Public Schools (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,773.00 (-33.39%) Homeowner's exemption | $93,200 (+13.11%) | |
| 2024 | $4,163.00 (+81.63%) | $186,400 (+13.11%) | |
| 2023 | $82,400 | ||
| 2022 | $2,292.00 | $164,800 |
Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), as of July 20, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Agri-Valley Communications Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 285 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MI0007230, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF YALE serves 1,900 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | No certified operator Apr 2021 |
| Monitoring and Reporting | 4 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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