509 S Main St, Capac, MI 48014 Property Records

St. Clair County property record for 509 S Main St, Capac, MI 48014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,430 sqft · built 1945
Lot Size	0.234 acres (10,193 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,309 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-40-750-0110-000`

Property Details

APN / Parcel Number

Primary APN	`74-40-750-0110-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,430 sqft Living Area
1st Floor Area	904 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Lot Area	10,193 sqft (0.234 acres)
Lot Dimensions	133 ft deep x 68 ft wide
Garage Area	560 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	509 S MAIN ST
City	CAPAC
State	MI
Zip	48014-3722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VILLAGE
Legal Description	N 68.5' OF E 133' OF LOT 80 OF S 287.5' AS MEASURED 50' EAST FROM E 1/4 OF SEC 28 T7N R13E SUPERVISOR JOHN BOWERS PLAT OF THE VILLAGE OF CAPAC AS RECORDED IN LIBER 53 OF PLATS PGS 3-6 ST CLAIR COUNTY REGISTER OF DEEDS
Legal Range	13E
Legal Township	07N
Legal Section	28
Legal Subdivision	SUPRVRS JOHN BOWERS
Legal Lot Number	80
Legal Unit	80
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	MUSSEY
Census Block Group	1
Census Block	1023
Census Tract	657100

Owner

Source: St. Clair County records, as of December 23, 2025

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	509 S MAIN ST, CAPAC, MI 48014-3722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE
Jul 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HALL FINANCIAL GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 9, 2021
Transfer Doc	5394717
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	509 S MAIN ST, CAPAC, MI 48014-3722
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 S MAIN ST, CAPAC, MI 48014-3722

Mortgage

Document Number	0005515573
Date	Apr 27, 2022
Book Page	5515/573
Instrument	2022010756

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 26, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 19, 2021
Property Address	509 S MAIN ST, CAPAC, MI 48014-3722
Document Number	5394717
Book / Page	5394 / 717
Map Reference	LB 53 PG 3
Instrument Date	Jul 9, 2021
Instrument	2021020646
Transaction Type	Transfer
Record Updated	Aug 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 S MAIN ST, CAPAC, MI 48014-3722

Mortgage

Document Number	2021020647
Date	Jul 19, 2021
Instrument	2021020647

Lender

Name	HALL FINANCIAL GROUP
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Capac Village
County	St. Clair County
County Subdivision	Mussey Township
Unified School District	Capac Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,309.00 (-0.46%) Homeowner's exemption	$65,500 (+12.16%)
2024	$1,315.00 (+12.78%)		$131,000 (+12.16%)
2023		$58,400
2022	$1,166.00		$116,800

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

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

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	VILLAGE OF CAPAC serves 1,775 people · EPA ID MI0001110
Water Source	Groundwater
Last State Inspection	Jun 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mercury Fiber Fiber · Fixed Wireless	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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