729 Royal St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 729 Royal St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,504 sqft · built 1928
Lot Size	0.303 acres (13,199 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Feb 2024)
Tax Bill	$4,933 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-07-106-0013-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-106-0013-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,504 sqft Living Area
1st Floor Area	1,504 sqft
Basement Area	1,248 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	132 ft deep x 100 ft wide
Garage Area	1,344 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	729 ROYAL ST
City	SAINT CLAIR
State	MI
Zip	48079-5430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	LOT 13 EXC W 90' & LOT 14 & W 2/3 OF LOT 15 ASSESSORS SUBD OF LOT 23 OF SUBD OF PART OF PC 304 & 305
Legal Subdivision	ASSESSORS
Legal Lot Number	13-15
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	4
Census Block	4009
Census Tract	642000

Owner

729 Royal St is owned and occupied by an individual who bought it in February 2024.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	729 ROYAL ST, SAINT CLAIR, MI 48079-5430
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2024	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Jul 23, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2024 · Amount on File
Deed Sale	Feb 21, 2024 · Amount on File
Prior Sale	Aug 13, 2014 · Amount on File
Deed Document Number	20242899
Deed Book / Page	5692 / 31
Prior Transfer Date	May 24, 2013
Prior Transfer Doc	004404/136
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 21, 2024
Property Address	729 ROYAL ST, SAINT CLAIR, MI 48079-5430
Document Number	0000569231
Book / Page	5692 / 31
Map Reference	LB 50 PG 36
Instrument Date	Feb 2, 2024
Instrument	2024002899
Transaction Type	Transfer
Record Updated	Mar 20, 2024
Title Company	VANGUARD TITLE COMPANY, V VANGUARD TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	729 ROYAL ST, SAINT CLAIR, MI 48079-5430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5111 BROOKFIELD PKWY APT 202, 202, MADISON, WI 53718-2147

Mortgage

Document Number	0005688938
Date	Feb 6, 2024
Book Page	5688/938
Instrument	2024002100

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	3940 N RAVENSWOOD AVE, CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 23, 2019
Property Address	729 ROYAL ST, SAINT CLAIR, MI 48079-5430
Document Number	0050780128
Book / Page	005078 / 000128
Instrument Date	Jul 12, 2019
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	PARTNERS TITLE AGENCY LLC, PARTNERS TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,548.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43853 BAYVIEW AVE #35107 CLINTON TOWNSHIP MI 480387092, 35107, CLINTON TOWNSHIP, MI 48038-7092

Mortgage

Document Number	50780131
Date	Jul 23, 2019
Book Page	005078/000131

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 729 Royal St was $4,933 with a homeowner's exemption, up 57.5% from the year before.

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		$124,000 (-1.04%)	$248,000
2025	$4,933.00 (+57.5%) Homeowner's exemption	$125,300
2024	$3,132.00		$250,600
2023		$85,900
2022	$2,911.00		$171,800

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

FEMA maps place 729 Royal St in Zone X, an area of minimal flood risk.

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

The area around 729 Royal St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 434 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, Duke Broadband.

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