4049 Blue River Dr, Saint Clair, MI 48079 Property Records

St. Clair County property record for 4049 Blue River Dr, Saint Clair, MI 48079 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,857 sqft · built 1989
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on File
Last Sale	$2,129,000 (Aug 2017)
Tax Bill	$1,841 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-30-200-0089-000`

Property Details

APN / Parcel Number

Primary APN	`74-30-200-0089-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,857 sqft Living Area
1st Floor Area	1,238 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	11,500 sqft (0.264 acres)
Lot Dimensions	174 ft deep x 66 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	4049 BLUE RIVER DR
City	SAINT CLAIR
State	MI
Zip	48079-3500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 222 BLUE RIVER GARDENS SUBDIVISION NO. 2
Legal Subdivision	BLUE RIVER GARDENS SUBDIVISION
Legal Lot Number	222
Legal Unit	222
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 · APN 74-30-200-0089-000

Assessment roll updated October 7, 2025 · Last verified August 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 File
Mailing Address	4049 BLUE RIVER DR, SAINT CLAIR, MI 48079-3500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 05, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Aug 09, 2017	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 09, 2017 · Amount on Record
Deed Sale	Aug 09, 2017 · Amount on Record
Prior Sale	Aug 14, 2012 · Amount on Record
Deed Document Number	201719211
Deed Book / Page	4856 / 861
Prior Transfer Date	Nov 04, 2015
Prior Transfer Doc	0046560004
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	4049 BLUE RIVER DR, SAINT CLAIR, MI 48079-3500
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048020746
Date	Feb 23, 2017
Book Page	4802/746
Instrument	2017004684

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Aug 01, 2045

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	4049 BLUE RIVER DR, SAINT CLAIR, MI 48079-3500
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	COMMONWEALTH USA SETMNTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4049 BLUE RIVER DR, SAINT CLAIR, MI 48079-3500

Mortgage

Document Number	0052500755
Date	Oct 05, 2020
Book Page	5250/755
Instrument	2020024356

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 09, 2017
Property Address	4049 BLUE RIVER DR, SAINT CLAIR, MI 48079-3500
Document Number	0048560861
Book / Page	004856 / 000861
Instrument Date	Jul 21, 2017
Transaction Type	Transfer
Record Updated	Sep 12, 2017
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,830.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3529 RIVER RD CHINA MI 480542206, CHINA, MI 48054-2206

Mortgage

Document Number	48560863
Date	Aug 09, 2017
Book Page	004856/000863

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 08, 2047

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified August 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,841.00 (-32.81%) Homeowner's exemption	$148,500 (+14.67%)
2024	$2,740.00 (+9.25%)		$297,000 (+14.67%)
2023		$129,500
2022	$2,508.00		$259,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), updated July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476401001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Low above 3% of the US · above 7% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 143 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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