513 N 10th St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 513 N 10th St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,768 sqft · built 1935
Lot Size	0.418 acres (18,208 sqft)
Owner	Individual Name on File
Last Sale	$128,000 (Apr 2015)
Tax Bill	$3,294 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-07-053-0184-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-053-0184-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,768 sqft Living Area
1st Floor Area	1,460 sqft
Basement Area	616 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Lot Area	18,208 sqft (0.418 acres)
Lot Dimensions	140 ft deep x 130 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	513 N 10TH ST
City	SAINT CLAIR
State	MI
Zip	48079-4858
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	E1/2 OF 5 A LOT 45 EXC N 148.5' & EXC W 200' OF REMAINDER MAP OF PC 304 & 305
Legal Subdivision	TUNNEL DEPOT
Legal Lot Number	45
Legal Unit	45
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	4
Census Block	4004
Census Tract	642000

Owner

513 N 10th St is owned and occupied by an individual who bought it in April 2015.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	513 N 10TH ST, SAINT CLAIR, MI 48079-4858
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 24, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2015 · Amount on File
Deed Sale	Apr 9, 2015 · Amount on File
Prior Sale	Apr 10, 2008 · Amount on File
Deed Document Number	20157730
Deed Book / Page	4592 / 379
Prior Transfer Date	Apr 20, 2006
Prior Transfer Doc	003546/967
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	513 N 10TH ST, SAINT CLAIR, MI 48079-4858
Transaction Type	Mortgage
Record Updated	May 27, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 N 10TH ST, SAINT CLAIR, MI 48079-4858

Mortgage

Document Number	5363570
Date	May 10, 2021
Book Page	5363/570
Instrument	2021014122

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	288 Months
Due	May 1, 2045

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	513 N 10TH ST, SAINT CLAIR, MI 48079-4858
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052170129
Date	Jul 24, 2020
Book Page	5217/129
Instrument	2020017097

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	298 Months
Due	May 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 513 N 10th St was $3,294 with a homeowner's exemption, up 4.1% 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
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
2026		$123,100 (+0.24%)	$246,200
2025	$3,294.00 (+4.11%) Homeowner's exemption	$122,800
2024	$3,164.00		$245,600
2023		$104,700
2022	$2,928.00		$209,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 513 N 10th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 513 N 10th St is low, with less than 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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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