641 Saint Andrews, Saint Clair, MI 48079 Property Records

St. Clair County property record for 641 Saint Andrews, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,477 sqft · built 1995
Lot Size	0.417 acres (18,165 sqft)
Owner	Individual Name on Record
Last Sale	$199,900 (Jul 2014)
Tax Bill	$6,540 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-07-303-0096-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-303-0096-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,477 sqft Living Area
1st Floor Area	2,477 sqft
Basement Area	2,477 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	18,165 sqft (0.417 acres)
Lot Depth	110 ft Depth
Garage Area	1,044 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	641 SAINT ANDREWS
City	SAINT CLAIR
State	MI
Zip	48079-4298
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	LOT 96 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	THE HIGHLANDS SUBDIVISION #4
Legal Lot Number	96
Legal Unit	96
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	641 SAINT ANDREWS, SAINT CLAIR, MI 48079-4298
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2018	Deed of Trust, Mortgage · Line of Credit ADVIA CU
May 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2014 · Amount on Record
Deed Sale	Jul 24, 2014 · Amount on Record
Prior Sale	May 12, 2009 · Amount on Record
Deed Document Number	201416176
Deed Book / Page	4522 / 779
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	641 SAINT ANDREWS, SAINT CLAIR, MI 48079-4298
Document Number	0049840536
Instrument Date	Aug 21, 2018
Transaction Type	Mortgage
Record Updated	Sep 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	641 SAINT ANDREWS ST CLAIR MI 480794298, ST CLAIR, MI 48079-4298

Mortgage

Document Number	0049840536
Date	Sep 4, 2018
Book Page	004984/000536

Lender

Name	ADVIA CU
Type	Credit Union
Address	PARCHMENT, MI 49004

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 3, 2038

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	641 SAINT ANDREWS, SAINT CLAIR, MI 48079-4298
Document Number	0048360982
Book / Page	004836 / 000982
Instrument Date	May 22, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	641 SAINT ANDREWS ST CLAIR MI 480794298, ST CLAIR, MI 48079-4298

Mortgage

Document Number	0048360982
Date	Jun 5, 2017
Book Page	004836/000982

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 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		$262,000 (+2.26%)	$524,000 (+2.26%)
2025	$6,540.00 (+3.48%) Homeowner's exemption	$256,200 (+34.14%)
2024	$6,320.00 (+7.83%)		$512,400 (+34.14%)
2023		$191,000
2022	$5,861.00		$382,000

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
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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