615 Jay St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 615 Jay St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,120 sqft
Lot Size	0.062 acres (2,701 sqft)
Owner	Individual Name on Record
Last Sale	$174,900 (Jun 2026)
Tax Bill	$2,610 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`74-07-049-0170-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-049-0170-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft

Exterior

Lot Area	2,701 sqft (0.062 acres)
Lot Dimensions	60 ft deep x 45 ft wide
Garage Area	209 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	615 JAY ST
City	SAINT CLAIR
State	MI
Zip	48079-5321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	W 1/2 OF LOT 291 MAP OF ST CLAIR
Legal Subdivision	MAP OF ST CLAIR
Legal Lot Number	291
Legal Unit	291
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1033
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	615 JAY ST, SAINT CLAIR, MI 48079-5321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK
May 19, 2023	Warranty Deed, Transfer PLATINUMFIRST TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Prior Sale	May 19, 2023 · Amount on Record
Deed Document Number	202612721
Deed Book / Page	5936 / 693
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 24, 2026
Property Address	615 JAY ST, SAINT CLAIR, MI 48079-5321
Document Number	0000012721
Book / Page	5936 / 693
Instrument Date	Feb 7, 2024
Instrument	202612721
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$132,486.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68397 ROSEWOOD LN, RICHMOND, MI 48062-1462

Mortgage

Document Number	0000012722,
Date	Jun 24, 2026
Instrument	202612722

Lender

Name	FIRST STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 19, 2023
Property Address	615 JAY ST, SAINT CLAIR, MI 48079-5321
Document Number	0005623227
Book / Page	5623 / 227
Map Reference	LB D PG 35
Instrument Date	May 3, 2023
Instrument	2023009123
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	PLATINUMFIRST TITLE

Transaction

Amount	Amount Recorded
Tax	$862.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5788 URBAN DR, EAST CHINA, MI 48054-4742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 381061, CLINTON TOWNSHIP, MI 48038-0076

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		$73,400 (+10.71%)	$146,800 (+10.71%)
2025	$2,610.00 (+6.14%) Homeowner's exemption	$66,300 (+23.01%)
2024	$2,459.00 (+109.45%)		$132,600 (+23.01%)
2023		$53,900
2022	$1,174.00		$107,800

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
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2001 · other causes

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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