Clare County property record for 645 Cunningham St, Clare, MI 48617
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 960 sqft · built 2004 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,725 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-341-008-00 |
| Primary APN | 051-341-008-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 960 sqft Building Perimeter |
| 1st Floor Area | 960 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 83 ft deep x 128 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 645 CUNNINGHAM ST |
|---|---|
| City | CLARE |
| State | MI |
| Zip | 48617-9472 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T17N R4W SEC 34 645 CUNNINGHAM ST LOTS 8 & 9 BLK 2 GARDNERS 2ND SUB ASSESSORS PLAT OF EXC COM AT NW COR OF LOT 9 TH S71 DEG 1 |
| Legal Range | 04W |
| Legal Township | 17N |
| Legal Section | 34 |
| Legal Subdivision | GARDNERS 2ND SUB |
| Legal Block | 2 |
| Legal Lot Number | 8,9 |
| Jurisdiction | CLARE MI |
| Township / Civil Division | CLARE |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 600 |
Source: Clare County assessment roll, as of June 30, 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 | 645 CUNNINGHAM ST, CLARE, MI 48617-9472 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Clare County assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Clare County |
| Municipality | Clare City |
| Unified School District | Clare Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $69,200 (+21.19%) Land $11,200 Building $58,000 | $138,400 (+21.19%) Land $22,400 Building $116,000 | |
| 2025 | $1,725.00 Homeowner's exemption | $57,100 Land $11,200 Building $45,900 | $114,200 Land $22,400 Building $91,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 3, 2026 · 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 | 5 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CLARE serves 3,118 people · EPA ID MI0001420 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2026 |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| ISP Management Fixed Wireless | 100 / 20 |
May also be available: AT&T, Baraga Telephone Company.
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