540 N 4th St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 540 N 4th St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,731 sqft · built 1993
Lot Size	0.152 acres (6,621 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Sep 2018)
Tax Bill	$3,692 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit May 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-895-0002-500`

Property Details

APN / Parcel Number

Primary APN	`74-07-895-0002-500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,731 sqft Living Area
1st Floor Area	1,276 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	6,621 sqft (0.152 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Garage Area	725 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	540 N 4TH ST
City	SAINT CLAIR
State	MI
Zip	48079-4814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	LOT 23 HODGSON'S SUBDIVISION OF FIVE ACRE LOT 40 & LOT 3 BLK 1 GEORGE A WOLVIN'S ADDITION OWNED AND OCC AS ONE PARCEL
Legal Subdivision	HODGSONS SUBDIVISION
Legal Block	1
Legal Lot Number	3,23,40
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	4
Census Block	4013
Census Tract	642000

Owner

Source: St. Clair County records, as of September 17, 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	540 N 4TH ST, SAINT CLAIR, MI 48079-4814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 3, 2021	Deed of Trust, Mortgage QUICKEN LOANS LLC
Sep 25, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Jan 9, 2018	Warranty Deed, Transfer · Conventional with PMI GRAND PROPERTIES LLC
Oct 5, 2017	Quit Claim Deed, Transfer ONE STOP RECORDING
Jun 19, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2018 · Amount on Record
Deed Sale	Sep 25, 2018 · Amount on Record
Prior Sale	Jan 9, 2018 · Amount on Record
Deed Document Number	201821493
Deed Book / Page	4992 / 111
Prior Transfer Date	Sep 14, 2017
Prior Transfer Doc	2017023876
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	540 N 4TH ST, SAINT CLAIR, MI 48079-4814
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 N 4TH ST, SAINT CLAIR, MI 48079-4814
Investor	Possibly a Property Investor

Mortgage

Document Number	0005674799
Date	Dec 6, 2023
Book Page	5674/799
Instrument	2023021174

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 24, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	540 N 4TH ST, SAINT CLAIR, MI 48079-4814
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 N 4TH ST, SAINT CLAIR, MI 48079-4814

Mortgage

Document Number	0005360610
Date	May 3, 2021
Book Page	5360/610
Instrument	2021013494

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 1, 2041

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 25, 2018
Property Address	540 N 4TH ST, SAINT CLAIR, MI 48079-4814
Document Number	0049920111
Book / Page	004992 / 000111
Instrument Date	Aug 24, 2018
Transaction Type	Transfer
Record Updated	Oct 18, 2018
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,376.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	254 MEADOW LN PORT HURON MI 480604891, PORT HURON, MI 48060-4891
Investor	Possibly a Property Investor

Mortgage

Document Number	49920113
Date	Sep 25, 2018
Book Page	004992/000113

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2048

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 9, 2018
Property Address	540 N 4TH ST, SAINT CLAIR, MI 48079-4814
Document Number	0049050899
Book / Page	004905 / 000899
Instrument Date	Dec 7, 2017
Transaction Type	Transfer
Record Updated	Feb 5, 2018
Title Company	ASK SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,001.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	601 ABBOT RD EAST LANSING MI 488233366, EAST LANSING, MI 48823-3366

Mortgage

Document Number	49050901
Date	Jan 9, 2018
Book Page	004905/000901

Lender

Name	GRAND PROPERTIES LLC
Address	55 E LONG LAKE RD # 534, TROY, MI 48085-4738

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2048

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 5, 2017
Property Address	540 N 4TH ST, SAINT CLAIR, MI 48079-4814
Document Number	0048770114
Book / Page	004877 / 000114
Instrument Date	Sep 14, 2017
Transaction Type	Transfer
Record Updated	Nov 6, 2017
Title Company	ONE STOP RECORDING

Transaction

Amount	Amount Recorded
Tax	$838.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7080 MARSH RD COTTRELLVILLE MI 480392701, COTTRELLVILLE, MI 48039-2701

June 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 19, 2017
Property Address	540 N 4TH ST, SAINT CLAIR, MI 48079-4814
Document Number	0048410076
Book / Page	004841 / 000076
Instrument Date	Jun 8, 2017
Transaction Type	Foreclosure
Record Updated	Jul 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$926.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	540 N 4TH ST ST CLAIR MI 480794814, ST CLAIR, MI 48079-4814
Investor	Possibly a Property Investor

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		$114,000 (-3.23%)	$228,000 (-3.23%)
2025	$3,692.00 (+2.81%) Homeowner's exemption	$117,800 (+5.65%)
2024	$3,591.00 (+7.58%)		$235,600 (+5.65%)
2023		$111,500
2022	$3,338.00		$223,000

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

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.

Nearby Properties on N 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures