St. Clair County property record for 640 Shady Ln, China, MI 48054
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,728 sqft · built 1965 |
| Lot Size | 0.298 acres (12,981 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Dec 2018) |
| Tax Bill | $1,862 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Feb 2021 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 74-18-511-0017-000 |
| Primary APN | 74-18-511-0017-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,728 sqft Living Area |
| 1st Floor Area | 1,728 sqft |
| Basement Area | 1,728 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Lot Area | 12,981 sqft (0.298 acres) |
| Lot Dimensions | 130 ft deep x 100 ft wide |
| Garage Area | 1,104 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 640 SHADY LN |
|---|---|
| City | CHINA |
| State | MI |
| Zip | 48054-4185 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 18 MARIDOR SUBD |
| Legal Subdivision | MARIDOR |
| Legal Lot Number | 18 |
| Legal Unit | 18 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | EAST CHINA |
| Census Block Group | 5 |
| Census Block | 5019 |
| Census Tract | 643000 |
Source: St. Clair County records · APN 74-18-511-0017-000
Assessment roll updated October 7, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 640 SHADY LN, CHINA, MI 48054-4185 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 08, 2022 | Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC |
| Feb 02, 2021 | Intrafamily Transfer, Transfer NOT AVAILABLE, HURON TITLE COMPANY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 17, 2018 · Amount on Record |
| Deed Sale | Dec 17, 2018 · Amount on Record |
| Prior Sale | Jan 10, 2005 · Amount on Record |
| Deed Document Number | 201827680 |
| Deed Book / Page | 5017 / 565 |
| Last Transfer Date | Dec 28, 2020 |
| Transfer Doc | 0053120356 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 640 SHADY LN, CHINA, MI 48054-4185 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 640 SHADY LN, CHINA, MI 48054-4185 |
| Document Number | 0005583967 |
|---|---|
| Date | Dec 08, 2022 |
| Book Page | 5583/967 |
| Instrument | 2022026927 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Feb 02, 2021 |
| Property Address | 640 SHADY LN, CHINA, MI 48054-4185 |
| Document Number | 0005312356 |
| Book / Page | 5312 / 356 |
| Map Reference | LB 58 PG 8 |
| Instrument Date | Dec 28, 2020 |
| Instrument | 2021003052 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | NOT AVAILABLE, HURON TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 SHADY LN, CHINA, MI 48054-4185 |
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | East China Township |
| Unified School District | East China School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,862.00 (-34.92%) Homeowner's exemption | $150,400 (+9.06%) | |
| 2024 | $2,861.00 (+5.85%) | $300,800 (+9.06%) | |
| 2023 | $137,900 | ||
| 2022 | $2,703.00 | $275,800 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 4 (2004–2026) |
| Most Recent Claim | Apr 2026 · river or lake flooding |
| Wildfire Risk | Low lower than 96% of the US · lower than 91% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 78 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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 | ST. CLAIR WATER AND SEWER AUTHORITY serves 5,847 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2022 |
| Lead | 8 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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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