549 Stratford Rd, Saint Clair, MI 48079 Property Records

St. Clair County property record for 549 Stratford Rd, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,627 sqft · built 1973
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Apr 2022)
Tax Bill	$7,305 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Mar 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-612-0030-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-612-0030-000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,627 sqft Living Area
1st Floor Area	3,151 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	549 STRATFORD RD
City	SAINT CLAIR
State	MI
Zip	48079-4275
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	LOT 64 PALMER VILLAGE SUBD NO 2 ACCORDING TO THE PLAT RECORDED IN LIBER 57 OF PLATS PG 21 ST CLAIR COUNTY REGISTER OF DEEDS
Legal Subdivision	PALMER VILLAGE
Legal Lot Number	64
Legal Unit	64
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7003
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	549 STRATFORD RD, SAINT CLAIR, MI 48079-4275
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2022	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Mar 15, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jul 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Prior Sale	Mar 15, 2021 · Amount on Record
Deed Document Number	20228591
Deed Book / Page	5506 / 110
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 1, 2022
Property Address	549 STRATFORD RD, SAINT CLAIR, MI 48079-4275
Document Number	0005506110
Book / Page	5506 / 110
Map Reference	LB 57 PG 21
Instrument Date	Mar 11, 2022
Instrument	2022008591
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	250 E EXCHANGE BLVD, 250, COLUMBIA, SC 29209-2172

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22712 EUCLID ST, SAINT CLAIR SHORES, MI 48082-2443

Mortgage

Document Number	0005500352
Date	Mar 18, 2022
Book Page	5500/352
Instrument	2022006589

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 15, 2021
Property Address	549 STRATFORD RD, SAINT CLAIR, MI 48079-4275
Document Number	0005335129
Book / Page	5335 / 129
Map Reference	LB 57 PG 21
Instrument Date	Feb 25, 2021
Instrument	2021007578
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,748.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	549 STRATFORD RD, 549, SAINT CLAIR, MI 48079-4275

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6501 E 11 MILE RD, WARREN, MI 48092

Mortgage

Document Number	2021007579
Date	Mar 15, 2021
Instrument	2021007579

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	549 STRATFORD RD, SAINT CLAIR, MI 48079-4275
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049680001
Date	Jul 16, 2018
Book Page	4968/1
Instrument	2018016113

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	549 STRATFORD RD, SAINT CLAIR, MI 48079-4275
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051480090
Date	Jan 31, 2020
Book Page	5148/90
Instrument	2020002911

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	549 STRATFORD RD, SAINT CLAIR, MI 48079-4275
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 STRATFORD RD, SAINT CLAIR, MI 48079-4275

Mortgage

Document Number	0052710901
Date	Nov 13, 2020
Book Page	5271/901
Instrument	2020028501

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 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		$217,300 (+1.68%)	$434,600 (+1.68%)
2025	$7,305.00 (+2.81%) Homeowner's exemption	$213,700 (+24.68%)
2024	$7,105.00 (+8.41%)		$427,400 (+24.68%)
2023		$171,400
2022	$6,554.00		$342,800

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	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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