520 N 5th St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 520 N 5th St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,332 sqft · built 1950
Lot Size	0.092 acres (4,051 sqft)
Owner	Individual Name on Record
Last Sale	$169,900 (Dec 2020)
Tax Bill	$3,373 (2024)
Deeds & Mortgages	Feb 2017 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-07-170-0019-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-170-0019-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,332 sqft Living Area
Basement Area	720 sqft

Exterior

Year Built	Built 1950
Lot Area	4,051 sqft (0.092 acres)
Lot Dimensions	90 ft deep x 45 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	74071700019000
Street Address	520 N 5TH ST
City	SAINT CLAIR
State	MI
Zip	48079-4824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED DENSIT
Legal Description	S25' OF LOT 13 & N 20' OF LOT 10 CHAMBERLAIN'S PLAT OF FIVE ACRE LOT 42
Legal Subdivision	CHAMBERLAINS OF FIVE
Legal Lot Number	13,10
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	4
Census Block	4007
Census Tract	642000

Owner

Source: St. Clair County records, as of October 6, 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
Mailing Address	1488 OAKLAND ST, SAINT CLAIR, MI 48079-5121
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Dec 3, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2020 · Amount on Record
Deed Sale	Dec 3, 2020 · Amount on Record
Prior Sale	Jul 7, 2009 · Amount on Record
Deed Document Number	2020030589
Deed Book / Page	5282 / 428
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	520 N 5TH ST, SAINT CLAIR, MI 48079-4824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047960009
Date	Feb 1, 2017
Book Page	4796/9
Instrument	2017002764

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2032

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 3, 2020
Property Address	520 N 5TH ST, SAINT CLAIR, MI 48079-4824
Document Number	0005282428
Book / Page	5282 / 428
Map Reference	LB 200 PG 1
Instrument Date	Nov 17, 2020
Instrument	2020030589
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 N 5TH ST, 520, SAINT CLAIR, MI 48079-4824

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1488 OAKLAND ST, SAINT CLAIR, MI 48079-5121

Mortgage

Document Number	2020030590
Date	Dec 3, 2020
Instrument	2020030590

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

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		$70,200 (+15.65%)
2024	$3,373.00 (+17.24%)		$140,400 (+15.65%)
2023		$60,700
2022	$2,877.00		$121,400

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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