621 N 3rd St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 621 N 3rd St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,023 sqft · built 1930
Lot Size	0.349 acres (15,202 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Nov 2017)
Tax Bill	$3,846 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-07-103-0034-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-103-0034-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,023 sqft Living Area
1st Floor Area	1,023 sqft
Basement Area	1,023 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	15,202 sqft (0.349 acres)
Lot Dimensions	146 ft deep x 104 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	621 N 3RD ST
City	SAINT CLAIR
State	MI
Zip	48079-4807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	LOTS 33 & 34 ASSESSORS SUBD OF LOTS 1, 20 & 21 OF SUBD OF PART OF PC 304 & 305
Legal Subdivision	ASSESSORS
Legal Lot Number	33-34,1
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	4
Census Block	4001
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	621 N 3RD ST, SAINT CLAIR, MI 48079-4807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · FHA Mortgage ROYAL PACIFIC FUNDING CORP
Nov 7, 2017	Warranty Deed, Transfer · FHA Mortgage PACIFIC UNION FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2017 · Amount on Record
Deed Sale	Nov 7, 2017 · Amount on Record
Deed Document Number	201726510
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	621 N 3RD ST, SAINT CLAIR, MI 48079-4807
Transaction Type	Mortgage
Record Updated	Dec 8, 2021
Title Company	LIBERTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 N 3RD ST, SAINT CLAIR, MI 48079-4807

Mortgage

Document Number	5450764
Date	Nov 17, 2021
Book Page	5450/764
Instrument	2021032322

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution
Address	NEWPORT BEACH, CA 92660

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 7, 2017
Property Address	621 N 3RD ST, SAINT CLAIR, MI 48079-4807
Document Number	0048870982
Book / Page	004887 / 000982
Instrument Date	Oct 30, 2017
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	PREMIER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$989.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 N 3RD ST ST CLAIR MI 480794807, ST CLAIR, MI 48079-4807

Mortgage

Document Number	48880779
Date	Nov 7, 2017
Book Page	004888/000779

Lender

Name	PACIFIC UNION FNDG
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2047

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		$98,300 (+1.03%)	$196,600 (+1.03%)
2025	$3,846.00 (+2.89%)	$97,300 (+9.82%)
2024	$3,738.00 (+8.44%)		$194,600 (+9.82%)
2023		$88,600
2022	$3,447.00		$177,200

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.

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