654 N Riverside Ave, Saint Clair, MI 48079 Property Records

St. Clair County property record for 654 N Riverside Ave, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,484 sqft · built 1820
Lot Size	0.678 acres (29,534 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Dec 2020)
Tax Bill	$9,321 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-088-0001-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-088-0001-000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,484 sqft Living Area
1st Floor Area	2,336 sqft
Basement Area	2,256 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1820
Effective Year Built	Effective 1820
Lot Area	29,534 sqft (0.678 acres)
Lot Dimensions	356 ft deep x 83 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	654 N RIVERSIDE AVE
City	SAINT CLAIR
State	MI
Zip	48079-5416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	LOT 1 ASSESSORS MOORE-ST CLAIR PLAT OF PART OF PC 305
Legal Subdivision	ASSESSORS
Legal Lot Number	1
Legal Unit	1
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7001
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	654 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-5416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit MICHIGAN SCHOOLS AND GOV'T CREDIT UNION
Sep 6, 2023	Deed of Trust, Mortgage · Line of Credit HONOR CU
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER RATE MORTGAGE INC
Dec 3, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2020 · Amount on Record
Deed Sale	Dec 3, 2020 · Amount on Record
Prior Sale	Apr 22, 2015 · Amount on Record
Deed Document Number	202030585
Deed Book / Page	5282 / 400
Prior Transfer Date	Sep 17, 1999
Prior Transfer Doc	003385/616
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 31, 2026
Property Address	654 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-5416
Document Number	0000015535
Book / Page	5949 / 817
Instrument Date	Jul 24, 2026
Instrument	202615535
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-5416

Mortgage

Document Number	0000015535,
Date	Jul 31, 2026
Book Page	5949/817
Instrument	202615535

Lender

Name	MICHIGAN SCHOOLS AND GOV'T CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 31, 2051

Interest

Rate	6.49%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	654 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-5416
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-5416

Mortgage

Document Number	0005651938
Date	Sep 6, 2023
Book Page	5651/938
Instrument	2023015722

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Aug 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	654 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-5416
Transaction Type	Mortgage
Record Updated	Nov 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-5416

Mortgage

Document Number	543717
Date	Oct 20, 2021
Book Page	5437/17
Instrument	2021029623

Lender

Name	BETTER RATE MORTGAGE INC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 3, 2020
Property Address	654 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-5416
Document Number	0005282400
Book / Page	5282 / 400
Map Reference	LB 52 PG 7
Instrument Date	Nov 17, 2020
Instrument	2020030585
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	654 N RIVERSIDE AVE, 654, SAINT CLAIR, MI 48079-5416

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 N 5TH ST, SAINT CLAIR, MI 48079-4824

Mortgage

Document Number	2020030586
Date	Dec 3, 2020
Instrument	2020030586

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

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		$316,200 (+1.54%)	$632,400 (+1.54%)
2025	$9,321.00 (+2.8%) Homeowner's exemption	$311,400 (+35.92%)
2024	$9,067.00 (+7.59%)		$622,800 (+35.92%)
2023		$229,100
2022	$8,427.00		$458,200

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 AE, 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on N Riverside Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures