626 Saint Andrews, Saint Clair, MI 48079 Property Records

St. Clair County property record for 626 Saint Andrews, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,675 sqft · built 1996
Lot Size	0.398 acres (17,337 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Oct 2019)
Tax Bill	$59 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-303-0105-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-303-0105-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,675 sqft Living Area
1st Floor Area	1,708 sqft
Basement Area	1,372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	17,337 sqft (0.398 acres)
Lot Dimensions	165 ft deep x 105 ft wide
Garage Area	716 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	626 SAINT ANDREWS
City	SAINT CLAIR
State	MI
Zip	48079-4292
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	LOT 105 THE HIGHLANDS NO 4 ACCORDING TO THE PLAT RECORDED IN LIBER 95 OF PLAT PGS 16 & 17 ST CLAIR COUNTY REGISTER OF DEEDS
Legal Subdivision	HIGHLANDS SUB NO 4
Legal Lot Number	105
Legal Unit	105
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7005
Census Tract	642000

Owner

626 Saint Andrews is owned and occupied by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	626 SAINT ANDREWS, SAINT CLAIR, MI 48079-4292
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
Apr 18, 2022	Deed of Trust, Mortgage · VA Mortgage HANCOCK MORTGAGE PARTNERS LLC
Oct 2, 2019	Warranty Deed, Transfer ATA NATIONAL TITLE
May 22, 2017	Warranty Deed, Transfer · Conventional Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2019 · Amount on File
Deed Sale	Oct 2, 2019 · Amount on File
Prior Sale	May 22, 2017 · Amount on File
Deed Document Number	201920478
Deed Book / Page	5103 / 751
Prior Transfer Date	Aug 26, 2010
Prior Transfer Doc	004076/890
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	626 SAINT ANDREWS, SAINT CLAIR, MI 48079-4292
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 SAINT ANDREWS, SAINT CLAIR, MI 48079-4292

Mortgage

Document Number	0005511926
Date	Apr 18, 2022
Book Page	5511/926
Instrument	2022009890

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company
Address	SUGAR LAND, TX 77478

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 2, 2019
Property Address	626 SAINT ANDREWS, SAINT CLAIR, MI 48079-4292
Document Number	0005103751
Book / Page	5103 / 751
Map Reference	LB 95 PG 16-17
Instrument Date	Sep 23, 2019
Instrument	2019020478
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$2,580.00
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	222 S WILLIAM ST, MARINE CITY, MI 48039-3608

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 22, 2017
Property Address	626 SAINT ANDREWS, SAINT CLAIR, MI 48079-4292
Document Number	004832/193
Book / Page	4832 / 193
Map Reference	LB 95 PG 16-17
Instrument Date	May 5, 2017
Instrument	2017013369
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	626 SAINT ANDREWS, 626, SAINT CLAIR, MI 48079-4292

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3280 GREENFIELD RD # 130, 130, DEARBORN, MI 48120-1240

Mortgage

Document Number	004832/194
Date	May 22, 2017
Book Page	4832/194
Instrument	2017013370

Lender

Name	CHEMICAL BANK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 626 Saint Andrews was $59 with a homeowner's exemption, up 247.1% 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		$227,900 (+1.02%)	$455,800
2025	$59.00 (+247.06%) Homeowner's exemption	$225,600
2024	$17.00		$451,200
2022	$3.00

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

Flood

FEMA maps place 626 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 626 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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