4091 McLain Rd, Clyde (North Street), MI 48049 Property Records

St. Clair County property record for 4091 McLain Rd, Clyde, MI 48049

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,931 sqft · built 1978
Lot Size	4.89 acres (213,008 sqft)
Owner	Individual Name on File
Last Sale	$371,000 (May 2022)
Tax Bill	$4,911 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`74-15-020-3003-100`

Property Details

APN / Parcel Number

Primary APN	`74-15-020-3003-100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,931 sqft Living Area
1st Floor Area	1,931 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	213,008 sqft (4.89 acres)
Garage Area	1,824 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4091 MCLAIN RD
City	CLYDE
State	MI
Zip	48049-3005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	N 162' OF S 984' OF E 1/2 OF SE 1/4 4.89 A SEC 20 T7N R16E
Legal Range	16E
Legal Township	07N
Legal Section	20
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLYDE
Census Block Group	1
Census Block	1002
Census Tract	633200

Owner

4091 McLain Rd 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	4091 MCLAIN RD, CLYDE, MI 48049-3005
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY CHOICE CREDIT UNION
Apr 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage STAUNTON FINANCIAL INC
May 20, 2022	Warranty Deed, Transfer
May 14, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 11, 2020	Warranty Deed, Transfer LIBERTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2022 · Amount on File
Deed Sale	May 20, 2022 · Amount on File
Prior Sale	May 14, 2021 · Amount on File
Deed Document Number	202212653
Deed Book / Page	5524 / 86
Prior Transfer Date	Jul 21, 2011
Prior Transfer Doc	004170/517
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 21, 2026
Property Address	4091 MCLAIN RD, CLYDE, MI 48049-3005
Document Number	0000008238
Book / Page	5917 / 88
Instrument Date	Apr 16, 2026
Instrument	20268238
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4091 MCLAIN RD, CLYDE, MI 48049-3005

Mortgage

Document Number	0000008238,
Date	Apr 21, 2026
Book Page	5917/88
Instrument	20268238

Lender

Name	COMMUNITY CHOICE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.22%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	4091 MCLAIN RD, CLYDE, MI 48049-3005
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21508 OCONNOR ST, SAINT CLAIR SHORES, MI 48080-1844

Mortgage

Document Number	0005514575
Date	Apr 25, 2022
Book Page	5514/575
Instrument	2022010543

Lender

Name	STAUNTON FINANCIAL INC
Type	Non-Lending Institution
Address	SOUTHFIELD, MI 48075

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 20, 2022
Property Address	4091 MCLAIN RD, CLYDE, MI 48049-3005
Document Number	0000552486
Book / Page	5524 / 86
Instrument Date	Apr 15, 2022
Instrument	2022012653
Transaction Type	Transfer
Record Updated	Jun 3, 2022

Transaction

Amount	Amount on Record
Tax	$2,782.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4091 MCLAIN RD, 4091, CLYDE, MI 48049-3005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21508 OCONNOR ST, SAINT CLAIR SHORES, MI 48080-1844

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 14, 2021
Property Address	4091 MCLAIN RD, CLYDE, MI 48049-3005
Document Number	5366213
Book / Page	5366 / 213
Instrument Date	Apr 20, 2021
Instrument	2021014740
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4091 MCLAIN RD, 4091, CLYDE, MI 48049-3005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4091 MCLAIN RD, CLYDE, MI 48049-3005

Mortgage

Document Number	2021014741
Date	May 14, 2021
Instrument	2021014741

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 11, 2020
Property Address	4091 MCLAIN RD, CLYDE, MI 48049-3005
Document Number	0052860855
Book / Page	005286 / 000855
Instrument Date	Dec 11, 2020
Transaction Type	Transfer
Record Updated	Jan 14, 2021
Title Company	LIBERTY TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4091 MCLAIN RD CLYDE MI 480493005, CLYDE, MI 48049-3005

Tax Assessment & Valuation

The 2025 property tax bill for 4091 McLain Rd was $4,911 with a homeowner's exemption, up 3% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Clyde Township
Unified School District	Port Huron Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$203,300 (+5.39%)	$406,600
2025	$4,911.00 (+3.02%) Homeowner's exemption	$192,900
2024	$4,767.00		$385,800
2023		$174,700
2022	$3,962.00		$349,400

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

FEMA maps place 4091 McLain Rd 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

Wildfire risk around 4091 McLain Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

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

May also be available: Mercury Fiber.

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