5480 Gratiot Ave, Saint Clair, MI 48079 Property Records

St. Clair County property record for 5480 Gratiot Ave, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,506 sqft · built 2005
Lot Size	0.971 acres (42,297 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Sep 2018)
Tax Bill	$3,879 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-30-250-0001-000`

Property Details

APN / Parcel Number

Primary APN	`74-30-250-0001-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,506 sqft Living Area
1st Floor Area	1,506 sqft
Basement Area	1,506 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Lot Area	42,297 sqft (0.971 acres)
Lot Depth	364 ft Depth
Garage Area	527 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5480 GRATIOT AVE
City	SAINT CLAIR
State	MI
Zip	48079-1427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	LOT 1 DORES SUBDIVISION ACCORDING TO THE PLAT RECORDED IN LIBER 54 OF PLATS PG 40 ST CLAIR COUNTY REGISTER OF DEEDS
Legal Subdivision	DORES SUBDIVISION
Legal Lot Number	1
Legal Unit	1
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1014
Census Tract	640600

Owner

5480 Gratiot Ave is owned and occupied by an individual who bought it in September 2018.

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	5480 GRATIOT AVE, SAINT CLAIR, MI 48079-1427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Deed of Trust, Mortgage · Line of Credit GENISYS CU
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FIN'L CORP
Sep 12, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2018 · Amount on File
Deed Sale	Sep 12, 2018 · Amount on File
Prior Sale	Oct 25, 2006 · Amount on File
Deed Document Number	201820492
Deed Book / Page	4987 / 588
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	5480 GRATIOT AVE, SAINT CLAIR, MI 48079-1427
Transaction Type	Mortgage
Record Updated	Jun 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5480 GRATIOT AVE, SAINT CLAIR, MI 48079-1427

Mortgage

Document Number	0005627134
Date	Jun 5, 2023
Book Page	5627/134
Instrument	2023010035

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	May 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	5480 GRATIOT AVE, SAINT CLAIR, MI 48079-1427
Transaction Type	Mortgage
Record Updated	Nov 16, 2021
Title Company	ATA NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	950 TRADE CENTRE WAY, PORTAGE, MI 49002-0487

Mortgage

Document Number	5441718
Date	Oct 28, 2021
Book Page	5441/718
Instrument	2021030431

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	5480 GRATIOT AVE, SAINT CLAIR, MI 48079-1427
Document Number	0051950332
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5480 GRATIOT AVE ST CLAIR MI 480791427, ST CLAIR, MI 48079-1427

Mortgage

Document Number	0051950332
Date	Jun 4, 2020
Book Page	005195/000332

Lender

Name	AMERIFIRST FIN'L CORP
Address	KALAMAZOO, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 12, 2018
Property Address	5480 GRATIOT AVE, SAINT CLAIR, MI 48079-1427
Document Number	0004987588
Book / Page	4987 / 588
Map Reference	LB 54 PG 40
Instrument Date	Sep 5, 2018
Instrument	2018020492
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	CISLO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,849.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30504 ALGER BLVD, 30504, MADISON HEIGHTS, MI 48071-1863

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 6TH ST, MARYSVILLE, MI 48040-1204

Mortgage

Document Number	2018020493
Date	Sep 12, 2018
Instrument	2018020493

Lender

Name	AMERIFIRST FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 5480 Gratiot Ave was $3,879 with a homeowner's exemption, up 3% 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
County Subdivision	St. Clair Township
Unified School District	Marysville Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$164,500 (+4.71%)	$329,000
2025	$3,879.00 (+2.97%) Homeowner's exemption	$157,100
2024	$3,767.00		$314,200
2023		$123,700
2022	$3,347.00		$247,400

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

Flood

FEMA maps place 5480 Gratiot Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2005 · rainfall accumulation

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 5480 Gratiot Ave is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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