4045 Blue River Dr, Saint Clair, MI 48079 Property Records

St. Clair County property record for 4045 Blue River Dr, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 1987
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on Record
Tax Bill	$2,089 (2025)
Deeds & Mortgages	Jul 2023 Second Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-30-200-0088-000`

Property Details

APN / Parcel Number

Primary APN	`74-30-200-0088-000`

Interior

Full Baths	1 Bath
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Lot Area	11,500 sqft (0.264 acres)
Lot Dimensions	174 ft deep x 66 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4045 BLUE RIVER DR
City	SAINT CLAIR
State	MI
Zip	48079-3500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	LOT 221 BLUE RIVER GARDENS SUBDIVISION NO. 2
Legal Subdivision	BLUE RIVER GARDENS SUBDIVISION
Legal Lot Number	221
Legal Unit	221
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1004
Census Tract	640100

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	4045 BLUE RIVER DR, SAINT CLAIR, MI 48079-3500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CREDIT UNION ONE
Oct 5, 2021	Quit Claim Deed, Transfer · Conventional Mortgage CREDIT UNION ONE
Jan 27, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 15, 2021
Transfer Doc	5430968
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	4045 BLUE RIVER DR, SAINT CLAIR, MI 48079-3500
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 BLUE RIVER DR, SAINT CLAIR, MI 48079-3500

Mortgage

Document Number	0005640850
Date	Jul 26, 2023
Book Page	5640/850
Instrument	2023013191

Lender

Name	CREDIT UNION ONE
Type	Credit Union
Address	FERNDALE, MI 48220

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 28, 2028

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 5, 2021
Property Address	4045 BLUE RIVER DR, SAINT CLAIR, MI 48079-3500
Document Number	5430968
Book / Page	5430 / 968
Map Reference	LB 57 PG 28
Instrument Date	Sep 15, 2021
Instrument	2021028287
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	STERLING TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4045 BLUE RIVER DR, 4045, SAINT CLAIR, MI 48079-3500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 BLUE RIVER DR, SAINT CLAIR, MI 48079-3500

Mortgage

Document Number	2021028288
Date	Oct 5, 2021
Instrument	2021028288

Lender

Name	CREDIT UNION ONE
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 27, 2020
Property Address	4045 BLUE RIVER DR, SAINT CLAIR, MI 48079-3500
Document Number	0051450810
Book / Page	005145 / 000810
Instrument Date	Jan 21, 2020
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	201 N SQUIRREL RD LAKE ANGELUS MI 483264015, LAKE ANGELUS, MI 48326-4015

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	St. Clair Township
Unified School District	East China School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$101,600 (-6.19%)	$203,200 (-6.19%)
2025	$2,089.00 (+5.99%) Homeowner's exemption	$108,300 (+13.76%)
2024	$1,971.00 (+10.48%)		$216,600 (+13.76%)
2023		$95,200
2022	$1,784.00		$190,400

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

Flood

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	6 in force
Nearby Flood Claims	2 (1986–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2020 · river or lake flooding

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

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	Direct burnable vegetation

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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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