St. Clair County property record for 635 N 3rd St, Saint Clair, MI 48079
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,246 sqft · built 1966 |
| Lot Size | 0.26 acres (11,369 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Nov 2025) |
| Tax Bill | $4,261 (2024) |
| Deeds & Mortgages | Oct 2025 Mortgage Nov 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-07-103-0032-000 |
| Primary APN | 74-07-103-0032-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,246 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Lot Area | 11,369 sqft (0.26 acres) |
| Lot Dimensions | 142 ft deep x 80 ft wide |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 74071030032000 |
|---|---|
| Street Address | 635 N 3RD ST |
| City | SAINT CLAIR |
| State | MI |
| Zip | 48079-4807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 MLTPLE FAM |
| Legal Description | LOT 31 EXC S 20' THEREOF ASSESSORS SUBD OF LOTS 1, 20 & 21 OF SUBD OF PART OF PC 304 & 305 |
| Legal Subdivision | ASSESSORS |
| Legal Lot Number | 31 |
| Legal Unit | 31,1 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ST. CLAIR |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 642000 |
Source: St. Clair County records · APN 74-07-103-0032-000
Assessment roll updated March 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 921 WATERLOO ST, SAINT CLAIR, MI 48079-5463 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Nov 10, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Nov 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 10, 2025 · Amount on Record |
| Deed Sale | Nov 10, 2025 · Amount on Record |
| Prior Sale | Nov 12, 2019 · Amount on Record |
| Deed Document Number | 2025021507 |
| Deed Book / Page | 5869 / 467 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 635 N 3RD ST, SAINT CLAIR, MI 48079-4807 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 921 WATERLOO ST, SAINT CLAIR, MI 48079-5463 |
| Document Number | 0005861720 |
|---|---|
| Date | Oct 16, 2025 |
| Book Page | 5861/720 |
| Instrument | 2025019712 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | 8241 DOW CIR, STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Nov 10, 2025 |
| Property Address | 635 N 3RD ST, SAINT CLAIR, MI 48079-4807 |
| Document Number | 0005869467 |
| Book / Page | 5869 / 467 |
| Map Reference | LB 50 PG 39 |
| Instrument Date | Oct 14, 2025 |
| Instrument | 2025021507 |
| Transaction Type | Transfer |
| Record Updated | Dec 02, 2025 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,612.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3120 REGATTA LN, SAINT CLAIR, MI 48079-5803 |
| Name | Verified Name |
|---|---|
| Address | 921 WATERLOO ST, SAINT CLAIR, MI 48079-5463 |
| Document Number | 2025019712 |
|---|---|
| Date | Nov 10, 2025 |
| Instrument | 2025019712 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Nov 12, 2019 |
| Property Address | 635 N 3RD ST, SAINT CLAIR, MI 48079-4807 |
| Document Number | 0005119300 |
| Book / Page | 5119 / 300 |
| Map Reference | LB 50 PG 39 |
| Instrument Date | Nov 01, 2019 |
| Instrument | 2019023680 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | ATA NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,259.90 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3232 S CLERMONT ST, DENVER, CO 80222-7221 |
| Document Number | 2019023681 |
|---|---|
| Date | Nov 12, 2019 |
| Instrument | 2019023681 |
| Name | UNION HOME MORTGAGE CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: St. Clair County records · Assessment roll updated March 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| Municipality | St. Clair City |
| Unified School District | East China School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $107,700 (+31.5%) | ||
| 2024 | $4,261.00 (+8.39%) | $215,400 (+31.5%) | |
| 2023 | $81,900 | ||
| 2022 | $3,931.00 | $163,800 |
Source: FEMA National Flood Hazard Layer as of July 20, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Duke Broadband.
Based on FCC filings for 434 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF ST. CLAIR serves 5,464 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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