642 Saint Andrews, Saint Clair, MI 48079 Property Records

St. Clair County property record for 642 Saint Andrews, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 6,169 sqft · built 1996
Lot Size	0.436 acres (18,992 sqft)
Owner	Company Name on Record
Last Sale	$810,000 (Jul 2025)
Tax Bill	$11,216 (2025)
Deeds & Mortgages	Feb 2023 Transfer Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-07-303-0106-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-303-0106-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	6,169 sqft Living Area
1st Floor Area	3,696 sqft
Basement Area	3,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	18,992 sqft (0.436 acres)
Lot Dimensions	165 ft deep x 115 ft wide
Garage Area	954 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	642 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 106 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 #4
Legal Lot Number	106
Legal Unit	106
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7005
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	Company Name on Record
Mailing Address	914 KING ARTHUR DR, ELM SPRINGS, AR 72762-9041
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2023	Intrafamily Transfer, Transfer
Mar 6, 2018	Quit Claim Deed, Mortgage · Conventional Mortgage CHASE BK/MD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2025 · Amount on Record
Deed Sale	Jul 30, 2025 · Amount on Record
Prior Sale	Jul 3, 2014 · Amount on Record
Deed Document Number	202514086
Deed Book / Page	5835 / 725
Prior Transfer Date	Jan 16, 2023
Prior Transfer Doc	0005595474
Record Updated	Oct 29, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 1, 2023
Property Address	642 SAINT ANDREWS, SAINT CLAIR, MI 48079-4292
Document Number	0005595474
Book / Page	5595 / 474
Map Reference	LB 95 PG 16&17
Instrument Date	Jan 16, 2023
Instrument	2023001683
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	642 SAINT ANDREWS, SAINT CLAIR, MI 48079-4292

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	642 SAINT ANDREWS, SAINT CLAIR, MI 48079-4292

March 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 6, 2018
Property Address	642 SAINT ANDREWS, SAINT CLAIR, MI 48079-4292
Document Number	0049230041
Book / Page	004923 / 000041
Instrument Date	Feb 26, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018
Title Company	TITLE SOURCES INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 SAINT ANDREWS ST CLAIR MI 480794292, ST CLAIR, MI 48079-4292

Mortgage

Document Number	49230042
Date	Mar 6, 2018
Book Page	004923/000042

Lender

Name	CHASE BK/MD
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2048

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		$397,500 (-8.2%)	$795,000 (-8.2%)
2025	$11,216.00 (+3.19%) Homeowner's exemption	$433,000 (+28.87%)
2024	$10,869.00 (+7.72%)		$866,000 (+28.87%)
2023		$336,000
2022	$10,090.00		$672,000

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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