635 Saint Andrews, Saint Clair, MI 48079 Property Records

St. Clair County property record for 635 Saint Andrews, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,027 sqft · built 1996
Lot Size	0.302 acres (13,155 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Nov 2023)
Tax Bill	$8,570 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Nov 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-303-0097-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-303-0097-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,027 sqft Living Area
1st Floor Area	2,013 sqft
Basement Area	2,013 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	13,155 sqft (0.302 acres)
Lot Dimensions	150 ft deep x 87.5 ft wide
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	635 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 97 EXC THAT PART LYING E OF A LINE CONNECTING ITS NE COR WITH A POINT ON ITS S LINE DIST N79D 23M W 7.5' FROM ITS SE COR
Legal Subdivision	THE HIGHLANDS 4
Legal Lot Number	97
Legal Unit	97
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7009
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	635 SAINT ANDREWS, SAINT CLAIR, MI 48079-4295
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Nov 2, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 6, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Oct 23, 2019	Warranty Deed, Transfer · Conventional Mortgage MUTUAL MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2023 · Amount on Record
Deed Sale	Nov 7, 2023 · Amount on Record
Prior Sale	Oct 6, 2020 · Amount on Record
Deed Document Number	202319837
Deed Book / Page	5669 / 148
Prior Transfer Date	Oct 27, 2020
Prior Transfer Doc	0005265760
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 7, 2023
Property Address	635 SAINT ANDREWS, SAINT CLAIR, MI 48079-4295
Document Number	0005669148
Book / Page	5669 / 148
Map Reference	LB 95 PG 16&17
Instrument Date	Sep 14, 2023
Instrument	2023019837
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,812.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	635 SAINT ANDREWS, SAINT CLAIR, MI 48079-4295

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22002 ANDOVER DR, MACOMB, MI 48042-3850

Mortgage

Document Number	2023019838
Date	Nov 7, 2023
Instrument	2023019838

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2053

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 2, 2020
Property Address	635 SAINT ANDREWS, SAINT CLAIR, MI 48079-4295
Document Number	0052650760
Book / Page	005265 / 000760
Instrument Date	Oct 27, 2020
Transaction Type	Transfer
Record Updated	Dec 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1189 MAYER RD ST CLAIR MI 480792211, ST CLAIR, MI 48079-2211

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 6, 2020
Property Address	635 SAINT ANDREWS, SAINT CLAIR, MI 48079-4295
Document Number	0005251190
Book / Page	5251 / 190
Map Reference	LB 95 PG 16&17
Instrument Date	Sep 22, 2020
Instrument	2020024434
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,362.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	635 SAINT ANDREWS, 635, SAINT CLAIR, MI 48079-4295

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 SAINT ANDREWS, SAINT CLAIR, MI 48079-4295

Mortgage

Document Number	2020024435
Date	Oct 6, 2020
Instrument	2020024435

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 23, 2019
Property Address	635 SAINT ANDREWS, SAINT CLAIR, MI 48079-4295
Document Number	0005112235
Book / Page	5112 / 235
Map Reference	LB 95 PG 16-17
Instrument Date	Oct 15, 2019
Instrument	2019022246
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,098.40
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	1910 SAINT CLAIR HWY, EAST CHINA, MI 48054-1598

Mortgage

Document Number	2019022247
Date	Oct 23, 2019
Instrument	2019022247

Lender

Name	MUTUAL MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$216,800 (+0.28%)	$433,600 (+0.28%)
2025	$8,570.00 (-1.4%) Homeowner's exemption	$216,200 (+25.41%)
2024	$8,692.00 (+46.28%)		$432,400 (+25.41%)
2023		$172,400
2022	$5,942.00		$344,800

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

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	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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