516 Adams St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 516 Adams St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,814 sqft · built 1941
Lot Size	0.124 acres (5,401 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Oct 2021)
Tax Bill	$3,407 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-049-0102-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-049-0102-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,814 sqft Living Area
1st Floor Area	1,039 sqft
Basement Area	996 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Lot Area	5,401 sqft (0.124 acres)
Lot Dimensions	120 ft deep x 45 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	516 ADAMS ST
City	SAINT CLAIR
State	MI
Zip	48079-4864
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	W 45' OF LOT 221 & W 45' OF S 30' OF LOT 222 MAP OF ST CLAIR
Legal Subdivision	NORTH OF PINE RIVER VILLAGE OF PALMER
Legal Lot Number	221-222
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1019
Census Tract	642000

Owner

Source: St. Clair County assessment roll, as of October 7, 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 File
Mailing Address	516 ADAMS ST, SAINT CLAIR, MI 48079-4864
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CU
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC
Feb 7, 2018	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Prior Sale	Feb 7, 2018 · Amount on Record
Deed Document Number	202129094
Prior Transfer Date	Mar 30, 2011
Prior Transfer Doc	004353/671
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 14, 2021
Property Address	516 ADAMS ST, SAINT CLAIR, MI 48079-4864
Document Number	5434715
Book / Page	5434 / 715
Map Reference	LB D PG 35
Instrument Date	Sep 13, 2021
Instrument	2021029094
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	516 ADAMS ST, 516, SAINT CLAIR, MI 48079-4864

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	516 ADAMS ST # 115, 115, SAINT CLAIR, MI 48079-4864

Mortgage

Document Number	2021029095
Date	Oct 14, 2021
Instrument	2021029095

Lender

Name	CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2036

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	516 ADAMS ST, SAINT CLAIR, MI 48079-4864
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 ADAMS ST, SAINT CLAIR, MI 48079-4864

Mortgage

Document Number	0052490489
Date	Oct 1, 2020
Book Page	5249/489
Instrument	2020024092

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

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

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 7, 2018
Property Address	516 ADAMS ST, SAINT CLAIR, MI 48079-4864
Document Number	0049150443
Book / Page	004915 / 000443
Instrument Date	Jan 31, 2018
Transaction Type	Transfer
Record Updated	Mar 2, 2018
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,358.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	641 MICHIGAN AVE MARYSVILLE MI 480401113, MARYSVILLE, MI 48040-1113

Mortgage

Document Number	49150444
Date	Feb 7, 2018
Book Page	004915/000444

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2048

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 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	$3,407.00 (-7.47%) Homeowner's exemption	$109,500 (+16.86%)
2024	$3,682.00 (+7.6%)		$219,000 (+16.86%)
2023		$93,700
2022	$3,422.00		$187,400

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 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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