509 Benedict St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 509 Benedict St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,196 sqft · built 1956
Lot Size	0.287 acres (12,502 sqft)
Owner	Individual Name on Record
Last Sale	$267,000 (Dec 2025)
Tax Bill	$3,874 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-230-0018-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-230-0018-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,196 sqft Living Area
Basement Area	1,196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Lot Area	12,502 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	74072300018000
Street Address	509 BENEDICT ST
City	SAINT CLAIR
State	MI
Zip	48079-4222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DENSITY
Legal Description	LOTS 50, 51 & E 1/2 OF 52 INCL 1/2 VAC ALLEY AS REC L 855 PG 237 DROMORE PARK SUBDIVISION ACCORDING TO THE PLAT RECORDED IN
Legal Subdivision	DROMORE PARK
Legal Lot Number	50-51 51
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7010
Census Tract	642000

Owner

Source: St. Clair County records, as of December 29, 2025

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
Co-owner	Co-owner on Record
Mailing Address	509 BENEDICT ST, SAINT CLAIR, MI 48079-4222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LNS
Aug 31, 2018	Grant Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2025 · Amount on Record
Deed Sale	Dec 19, 2025 · Amount on Record
Prior Sale	Aug 31, 2018 · Amount on Record
Deed Document Number	2025024294
Deed Book / Page	5881 / 974
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 19, 2025
Property Address	509 BENEDICT ST, SAINT CLAIR, MI 48079-4222
Document Number	0005881974
Book / Page	5881 / 974
Map Reference	LB 33 PG 6
Instrument Date	Dec 8, 2025
Instrument	2025024294
Transaction Type	Transfer
Record Updated	Dec 30, 2025
Title Company	MARITIME TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,002.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4187 BLUE RIVER DR, SAINT CLAIR, MI 48079-3501

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 BENEDICT ST, SAINT CLAIR, MI 48079-4222

Mortgage

Document Number	2025024295
Date	Dec 19, 2025
Instrument	2025024295

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	509 BENEDICT ST, SAINT CLAIR, MI 48079-4222
Document Number	0051870307
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 BENEDICT ST ST CLAIR MI 480794222, ST CLAIR, MI 48079-4222

Mortgage

Document Number	0051870307
Date	May 14, 2020
Book Page	005187/000307

Lender

Name	CALIBER HM LNS
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 31, 2018
Property Address	509 BENEDICT ST, SAINT CLAIR, MI 48079-4222
Document Number	0049840324
Book / Page	004984 / 000324
Instrument Date	Jul 31, 2018
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	VANGUARD TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 E MELDRUM CIR ST CLAIR MI 480794238, ST CLAIR, MI 48079-4238

Mortgage

Document Number	49840328
Date	Aug 31, 2018
Book Page	004984/000328

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2048

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$133,500 (+27.87%)
2024	$3,874.00 (+7.58%)		$267,000 (+27.87%)
2023		$104,400
2022	$3,601.00		$208,800

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

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	1 in force

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	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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Duke Broadband.

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