404 N Main St, Yale, MI 48097 Property Records

St. Clair County property record for 404 N Main St, Yale, MI 48097

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,061 sqft · built 1925
Lot Size	0.223 acres (9,714 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Dec 2021)
Tax Bill	$3,435 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-08-600-0017-000`

Property Details

APN / Parcel Number

Primary APN	`74-08-600-0017-000`

Interior

Full Baths	2 Baths
Building Area	1,061 sqft Living Area
1st Floor Area	1,034 sqft
Basement Area	1,034 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	133 ft deep x 73 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	404 N MAIN ST
City	YALE
State	MI
Zip	48097-2846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 OF LOT 5 & N 40' OF LOT 6 BLK 2 ORCHARD HILL ADDITION TO VILLAGE OF BROCKWAY CENTRE
Legal Subdivision	ORCHARD HILL ADDITION
Legal Block	2
Legal Lot Number	5-6
Legal Unit	5,6
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	YALE
Census Block Group	1
Census Block	1002
Census Tract	655100

Owner

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

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	404 N MAIN ST, YALE, MI 48097-2846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2021 · Amount on Record
Deed Sale	Dec 7, 2021 · Amount on Record
Deed Document Number	202134251
Deed Book / Page	5459 / 996
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 7, 2021
Property Address	404 N MAIN ST, YALE, MI 48097-2846
Document Number	0005459996
Book / Page	5459 / 996
Map Reference	LB 8 PG 71
Instrument Date	Nov 12, 2021
Instrument	2021034251
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 N MAIN ST, 404, YALE, MI 48097-2846

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 ARTHUR ST # 1, 1, YALE, MI 48097-2903

Mortgage

Document Number	2021034252
Date	Dec 7, 2021
Instrument	2021034252

Lender

Name	CHOICEONE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
Municipality	Yale City
Unified School District	Yale Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$87,100 (-0.46%)	$174,200 (-0.46%)
2025	$3,435.00 (+4.03%) Homeowner's exemption	$87,500 (+12.18%)
2024	$3,302.00 (+8.58%)		$175,000 (+12.18%)
2023		$78,000
2022	$3,041.00		$156,000

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.

Flood

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

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

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 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 YALE serves 1,900 people · EPA ID MI0007230
Water Source	Groundwater
Last State Inspection	Feb 2026

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 285 locations within half a mile, as of December 31, 2025

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
AVS Broadband Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20