648 Saint Andrews, Saint Clair, MI 48079 Property Records

St. Clair County property record for 648 Saint Andrews, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,727 sqft · built 1994
Lot Size	0.436 acres (18,992 sqft)
Owner	Individual Name on Record
Last Sale	$432,500 (Oct 2021)
Tax Bill	$7,444 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-07-303-0107-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-303-0107-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,727 sqft Living Area
1st Floor Area	1,411 sqft
Basement Area	1,411 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	18,992 sqft (0.436 acres)
Lot Dimensions	165 ft deep x 115 ft wide
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	648 SAINT ANDREWS
City	SAINT CLAIR
State	MI
Zip	48079-4296
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	LOT 107 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	107
Legal Unit	107
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	648 SAINT ANDREWS, SAINT CLAIR, MI 48079-4296
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Warranty Deed, Transfer · VA Mortgage CITIZENS BANK NA
Oct 15, 2020	Deed of Trust, Mortgage · Conventional with PMI UNION HM MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2021 · Amount on Record
Deed Sale	Oct 12, 2021 · Amount on Record
Prior Sale	Oct 21, 2020 · Amount on Record
Deed Document Number	202128801
Deed Book / Page	5433 / 534
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 12, 2021
Property Address	648 SAINT ANDREWS, SAINT CLAIR, MI 48079-4296
Document Number	5433534
Book / Page	5433 / 534
Map Reference	LB 95 PG 16&17
Instrument Date	Sep 17, 2021
Instrument	2021028801
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,243.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	648 SAINT ANDREWS, 648, SAINT CLAIR, MI 48079-4296

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36795 ORCHARD LAKE DR, NEW BALTIMORE, MI 48047-5552

Mortgage

Document Number	2021028802
Date	Oct 12, 2021
Instrument	2021028802

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	648 SAINT ANDREWS, SAINT CLAIR, MI 48079-4296
Document Number	0052630145
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2594 PALMS RD COLUMBUS MI 480634507, COLUMBUS, MI 48063-4507

Mortgage

Document Number	0052630145
Date	Oct 29, 2020
Book Page	005263/000145

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2050

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		$240,200 (+1.65%)	$480,400 (+1.65%)
2025	$7,444.00 (+3.39%) Homeowner's exemption	$236,300 (+27.04%)
2024	$7,200.00 (+7.8%)		$472,600 (+27.04%)
2023		$186,000
2022	$6,679.00		$372,000

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
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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