Clinton County property record for 404 S Prospect St, Saint Johns, MI 48879
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,928 sqft |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Jun 2025) |
| Tax Bill | $1,457 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 300-160-011-003-00 |
| Primary APN | 300-160-011-003-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,928 sqft Living Area |
| 1st Floor Area | 1,312 sqft |
| Basement Area | 1,232 sqft |
| Unfinished Basement | 1,232 sqft |
| Architectural Style | Multi-Family |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 135 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 248 sqft |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 404 S PROSPECT ST |
|---|---|
| City | SAINT JOHNS |
| State | MI |
| Zip | 48879-1770 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | EMMONSVILLE. BLK 11, LOT 3 EXC W 30 FT THEREOF. CITY OF ST JOHNS T7N R2W |
| Legal Subdivision | ROSEVIEW SUBD |
| Legal Block | 11 |
| Legal Lot Number | 3 |
| Jurisdiction | CLINTON MI |
| Township / Civil Division | ST. JOHNS |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 10801 |
404 S Prospect St is owned and occupied by two individuals who bought it in June 2025.
Source: Clinton County records, as of June 2, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 26734 PHILLY CT, SOUTH LYON, MI 48178-8361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Sep 25, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MICHIGAN STATE UNIVERSITY FCU |
| Aug 25, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK OF MICHIGAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2025 · Amount on File |
| Deed Sale | Jun 4, 2025 · Amount on File |
| Prior Sale | Dec 26, 2013 · Amount on File |
| Deed Document Number | 20255354640 |
| Prior Transfer Date | Oct 24, 2016 |
| Prior Transfer Doc | 5247143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON MI |
| Property Address | 404 S PROSPECT ST, SAINT JOHNS, MI 48879-1770 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 404 S PROSPECT ST, SAINT JOHNS, MI 48879-1770 |
| Document Number | 0005338805 |
|---|---|
| Date | Sep 25, 2023 |
| Instrument | 5338805 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON MI |
| Property Address | 404 S PROSPECT ST, SAINT JOHNS, MI 48879-1770 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 5257524 |
|---|---|
| Date | Aug 25, 2017 |
| Instrument | 5257524 |
| Name | MERCANTILE BANK OF MICHIGAN |
|---|---|
| Type | Bank |
| Address | Grand Rapids, MI 49504 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Sep 1, 2022 |
The 2025 property tax bill for 404 S Prospect St was $1,457 with a homeowner's exemption, down 38.2% from the year before.
Source: Clinton County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Clinton County |
| Municipality | St. Johns City |
| Unified School District | St. Johns Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $102,100 (+12.69%) Land $14,200 Building $87,900 | $204,200 (+12.69%) Land $28,400 Building $175,800 | |
| 2025 | $1,457.00 (-38.16%) Homeowner's exemption | $90,600 Land $12,900 Building $77,700 | $181,200 Land $25,800 Building $155,400 |
| 2024 | $2,356.00 (+10.98%) | ||
| 2023 | $2,123.00 Homeowner's exemption | $77,000 | $154,000 |
| 2022 | $2,123.00 |
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 S Prospect St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 3, 2011
| 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.
The area around 404 S Prospect 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ST. JOHNS serves 7,896 people · EPA ID MI0006300 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 464 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: ACD.net, CMS Internet, DayStarr, Verizon, Westphalia Broadband.
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