St. Clair County property record for 404 Division St, Yale, MI 48097
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,344 sqft · built 1973 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (May 2022) |
| Tax Bill | $4,191 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage May 2022 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-08-358-0005-000 |
| Primary APN | 74-08-358-0005-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 108 ft deep x 100 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 404 DIVISION ST |
|---|---|
| City | YALE |
| State | MI |
| Zip | 48097-2831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 12 & 13 HOLMES SUBD OF LOTS 1, 2, 3, 4, 15, 16, 17 & 18 BLOCK 5 OF REED & MC NUTTS SECOND ADDITION TO BROCKWAY CENTER AS |
| Legal Subdivision | HOLMES SUBD |
| Legal Block | 5 |
| Legal Lot Number | 12-13,1 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | YALE |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 655100 |
404 Division St is owned and occupied by an individual who bought it in May 2022.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 404 DIVISION ST, YALE, MI 48097-2831 |
| 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.
| Date | Document |
|---|---|
| Apr 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| May 25, 2022 | Warranty Deed, Transfer PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC |
| Nov 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD |
| Dec 15, 2021 | Warranty Deed, Transfer LIBERTY TITLE |
| Jun 24, 2021 | Warranty Deed, Transfer LIBERTY TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 25, 2022 · Amount on File |
| Deed Sale | May 25, 2022 · Amount on File |
| Prior Sale | Dec 15, 2021 · Amount on File |
| Deed Document Number | 202212951 |
| Deed Book / Page | 5525 / 306 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 404 DIVISION ST, YALE, MI 48097-2831 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 232 MCCOLL ST, YALE, MI 48097-3332 |
| Document Number | 0005515630 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | 5515/630 |
| Instrument | 2022010763 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | May 25, 2022 |
| Property Address | 404 DIVISION ST, YALE, MI 48097-2831 |
| Document Number | 0005525306 |
| Book / Page | 5525 / 306 |
| Map Reference | LB 22 PG 220 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 2022012951 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2022 |
| Title Company | PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,725.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 404 DIVISION ST, 404, YALE, MI 48097-2831 |
| Name | Verified Name |
|---|---|
| Address | 404 DIVISION ST, YALE, MI 48097-2831 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 404 DIVISION ST, YALE, MI 48097-2831 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE |
| Name | Verified Name |
|---|---|
| Address | 404 DIVISION ST, YALE, MI 48097-2831 |
| Document Number | 0005454730 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 5454/730 |
| Instrument | 2021033169 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Dec 15, 2021 |
| Property Address | 404 DIVISION ST, YALE, MI 48097-2831 |
| Document Number | 0005464200 |
| Book / Page | 5464 / 200 |
| Map Reference | LB 22 PG 220 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 2021035083 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2022 |
| Title Company | LIBERTY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2406 RIVER RD, 2406, MARYSVILLE, MI 48040-1918 |
| Name | Verified Name |
|---|---|
| Address | 404 DIVISION ST, YALE, MI 48097-2831 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jun 24, 2021 |
| Property Address | 404 DIVISION ST, YALE, MI 48097-2831 |
| Document Number | 5384473 |
| Book / Page | 5384 / 473 |
| Map Reference | LB 22 PG 220 |
| Instrument Date | May 19, 2021 |
| Instrument | 2021018637 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2021 |
| Title Company | LIBERTY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1133 N LOOMIS ST, 1133, NAPERVILLE, IL 60563-2745 |
| Name | Verified Name |
|---|---|
| Address | 404 DIVISION ST, YALE, MI 48097-2831 |
The 2025 property tax bill for 404 Division St was $4,191 with a homeowner's exemption, up 4% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| Municipality | Yale City |
| Unified School District | Yale Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $110,100 (+9.23%) | $220,200 | |
| 2025 | $4,191.00 (+4.05%) Homeowner's exemption | $100,800 | |
| 2024 | $4,028.00 | $201,600 | |
| 2023 | $82,100 | ||
| 2022 | $3,350.00 | $164,200 |
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.
FEMA maps place 404 Division St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 20, 2022
| 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 risk around 404 Division St 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 96% of the US · lower than 91% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF YALE serves 1,900 people · EPA ID MI0007230 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AVS Broadband Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures