St. Clair County property record for 4793 Ketchum Rd, Saint Clair, MI 48079
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,240 sqft · built 1998 |
| Lot Size | 4.88 acres (212,573 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $645,000 (Sep 2025) |
| Tax Bill | $5,626 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage May 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-30-025-4001-200 |
| Primary APN | 74-30-025-4001-200 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,240 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 1,120 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Lot Area | 212,573 sqft (4.88 acres) |
| Garage Area | 1,248 sqft |
| Parking Spaces | 5 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4793 KETCHUM RD |
|---|---|
| City | SAINT CLAIR |
| State | MI |
| Zip | 48079-4103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU |
| Legal Description | BEG S 88D 1M 11S W 580' & S 1D 42M 54S W 1140.27' FROM INT 1/4 COR, TH S 88D 21M 17S E 335', TH S 1D 38M 43S W 488.84', TH S |
| Legal Range | 16E |
| Legal Township | 05N |
| Legal Section | 25 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ST. CLAIR |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 640200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4793 KETCHUM RD, SAINT CLAIR, MI 48079-4103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| May 6, 2024 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC |
| Sep 29, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2025 · Amount on Record |
| Deed Sale | Sep 29, 2025 · Amount on Record |
| Prior Sale | May 3, 2024 · Amount on Record |
| Deed Document Number | 202518508 |
| Deed Book / Page | 5856 / 23 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 4793 KETCHUM RD, SAINT CLAIR, MI 48079-4103 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Title Company | ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 4793 KETCHUM RD, SAINT CLAIR, MI 48079-4103 |
| Document Number | 0005637357 |
|---|---|
| Date | Jul 14, 2023 |
| Book Page | 5637/357 |
| Instrument | 2023012462 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Aug 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.62% |
| Index | SOFR Average 30-Day |
| Max Rate | 7.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 4793 KETCHUM RD, SAINT CLAIR, MI 48079-4103 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE |
| Name | Verified Name |
|---|---|
| Address | 18192 W POND RIDGE CIR, GURNEE, IL 60031-4533 |
| Investor | Possibly a Property Investor |
| Document Number | 0005711182 |
|---|---|
| Date | May 6, 2024 |
| Book Page | 5711/182 |
| Instrument | 2024008228 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | 43456 MOUND RD, STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Sep 29, 2025 |
| Property Address | 4793 KETCHUM RD, SAINT CLAIR, MI 48079-4103 |
| Document Number | 0000585623 |
| Book / Page | 5856 / 23 |
| Instrument Date | Sep 5, 2025 |
| Instrument | 2025018508 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2025 |
| Title Company | PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,837.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4793 KETCHUM RD, SAINT CLAIR, MI 48079-4103 |
| Name | Verified Name |
|---|---|
| Address | 4793 KETCHUM RD, SAINT CLAIR, MI 48079-4103 |
| Document Number | 2025018231 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 2025018231 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Number | 0005854690 |
|---|---|
| Date | Sep 25, 2025 |
| Book Page | 5854/690 |
| Instrument | 2025018231 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 585 SOUTH BLVD E, PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | St. Clair Township |
| Unified School District | East China School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $236,400 (+4.28%) | $472,800 (+4.28%) | |
| 2025 | $5,626.00 (+59.06%) Homeowner's exemption | $226,700 (+26.44%) | |
| 2024 | $3,537.00 (+7.7%) | $453,400 (+26.44%) | |
| 2023 | $179,300 | ||
| 2022 | $3,284.00 | $358,600 |
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.
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 | 2 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Jul 2024 |
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.
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.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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