515 Adams St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 515 Adams St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,872 sqft
Lot Size	0.186 acres (8,102 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Oct 2020)
Tax Bill	$4,766 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-07-049-0104-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-049-0104-000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,872 sqft Living Area
1st Floor Area	1,070 sqft
Basement Area	780 sqft

Exterior

Lot Area	8,102 sqft (0.186 acres)
Lot Dimensions	90 ft deep x 90 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	515 ADAMS ST
City	SAINT CLAIR
State	MI
Zip	48079-4865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	LOT 220 & W 1/2 OF LOT 195 MAP OF ST CLAIR
Legal Subdivision	NORTH OF PINE RIVER
Legal Lot Number	195,220
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1024
Census Tract	642000

Owner

Source: St. Clair County records, as of October 2, 2026

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
Mailing Address	515 ADAMS ST, SAINT CLAIR, MI 48079-4865
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC
Oct 14, 2020	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2020 · Amount on Record
Deed Sale	Oct 14, 2020 · Amount on Record
Deed Document Number	202025327
Deed Book / Page	5255 / 681
Prior Transfer Date	Mar 27, 2013
Prior Transfer Doc	004377/580
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	515 ADAMS ST, SAINT CLAIR, MI 48079-4865
Transaction Type	Mortgage
Record Updated	Jan 6, 2022
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 ADAMS ST, SAINT CLAIR, MI 48079-4865

Mortgage

Document Number	0005467858
Date	Dec 22, 2021
Book Page	5467/858
Instrument	2021035827

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 14, 2020
Property Address	515 ADAMS ST, SAINT CLAIR, MI 48079-4865
Document Number	0005255681
Book / Page	5255 / 681
Map Reference	LB D PG 35
Instrument Date	Sep 23, 2020
Instrument	2020025327
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,462.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	515 ADAMS ST, 515, SAINT CLAIR, MI 48079-4865

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	724 ROYAL ST, SAINT CLAIR, MI 48079-5429

Mortgage

Document Number	2020025329
Date	Oct 14, 2020
Instrument	2020025329

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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		$165,300 (+5.89%)	$330,600 (+5.89%)
2025	$4,766.00 (+2.8%) Homeowner's exemption	$156,100 (+18.62%)
2024	$4,636.00 (+7.59%)		$312,200 (+18.62%)
2023		$131,600
2022	$4,309.00		$263,200

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 · 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
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2001 · other causes

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 207 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
T-Mobile Fixed Wireless	100 / 20

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

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