603 Saint Andrews, Saint Clair, MI 48079 Property Records

St. Clair County property record for 603 Saint Andrews, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,564 sqft · built 1995
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$398,000 (Oct 2014)
Tax Bill	$10,815 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-303-0100-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-303-0100-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Building Area	4,564 sqft Living Area
1st Floor Area	2,588 sqft
Basement Area	2,588 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	803 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	603 SAINT ANDREWS
City	SAINT CLAIR
State	MI
Zip	48079-4295
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	LOT 100 & E 10' OF LOT 99 THE HIGHLANDS NO 4 ACCORDING TO THE PLAT RECORDED IN LIBER 95 OF PLAT PGS 16 & 17 ST CLAIR COUNTY
Legal Subdivision	THE HIGHLANDS #4
Legal Lot Number	99-100
Legal Unit	100,99
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7009
Census Tract	642000

Owner

603 Saint Andrews is owned and occupied by an individual who bought it in October 2014.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	603 SAINT ANDREWS, SAINT CLAIR, MI 48079-4295
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 2, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Nov 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2014 · Amount on File
Deed Sale	Oct 2, 2014 · Amount on File
Deed Document Number	201422055
Deed Book / Page	4542 / 550
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 20, 2026
Property Address	603 SAINT ANDREWS, SAINT CLAIR, MI 48079-4295
Document Number	0000016880
Book / Page	5956 / 208
Instrument Date	Dec 11, 2025
Instrument	202616880
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 SAINT ANDREWS, SAINT CLAIR, MI 48079-4295

Mortgage

Document Number	0000016880,
Date	Aug 20, 2026
Book Page	5956/208
Instrument	202616880

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	292 Months
Due	Dec 15, 2050

Interest

Max Rate	-1%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	603 SAINT ANDREWS, SAINT CLAIR, MI 48079-4295
Document Number	0049730928
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	ABSTRACTOR ASSOC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 SAINT ANDREWS ST CLAIR MI 480794295, ST CLAIR, MI 48079-4295

Mortgage

Document Number	0049730928
Date	Aug 2, 2018
Book Page	004973/000928

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	603 SAINT ANDREWS, SAINT CLAIR, MI 48079-4295
Document Number	0049020508
Book / Page	004902 / 000508
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Jan 31, 2018
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	603 SAINT ANDREWS ST CLAIR MI 480794295, ST CLAIR, MI 48079-4295

Mortgage

Document Number	0049020508
Date	Dec 26, 2017
Book Page	004902/000508

Lender

Name	CHEMICAL BK
Type	Bank
Address	GRAND RAPIDS, MI 49519

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 603 Saint Andrews was $10,815 with a homeowner's exemption, up 3.2% 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
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		$367,000 (+0.19%)	$734,000
2025	$10,815.00 (+3.2%) Homeowner's exemption	$366,300
2024	$10,480.00		$732,600
2023		$325,900
2022	$9,728.00		$651,800

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

Flood

FEMA maps place 603 Saint Andrews in Zone X, an area of minimal flood risk.

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

Wildfire risk around 603 Saint Andrews is low, with less than 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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 140 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.

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