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

St. Clair County property record for 770 N Riverside Ave, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 5,445 sqft · built 1990
Lot Size	1.09 acres (47,829 sqft)
Owner	Individual Name on File
Last Sale	$1,230,000 (May 2026)
Tax Bill	$19,850 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Mar 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-097-0032-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-097-0032-000`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	5,445 sqft Living Area
1st Floor Area	2,966 sqft
Basement Area	2,507 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	47,829 sqft (1.09 acres)
Lot Dimensions	365 ft deep x 131 ft wide
Garage Area	958 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	770 N RIVERSIDE AVE
City	SAINT CLAIR
State	MI
Zip	48079-4261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	S 131.5' OF LOT 20 ASSESSORS RIVERSIDE AVE PLAT
Legal Subdivision	ASSESSORS
Legal Lot Number	20
Legal Unit	20
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7001
Census Tract	642000

Owner

770 N Riverside Ave is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	770 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
May 20, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONAL HOME MORTGAGE CORPORATION
Mar 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
Oct 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
Jan 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
Sep 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2026 · Amount on File
Deed Sale	May 20, 2026 · Amount on File
Prior Sale	Sep 9, 2020 · Amount on File
Deed Document Number	202610221
Deed Book / Page	5926 / 281
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 20, 2026
Property Address	770 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4261
Document Number	0005926281
Book / Page	5926 / 281
Instrument Date	May 18, 2026
Instrument	202610221
Transaction Type	Transfer
Record Updated	Jun 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$931,725.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	770 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4261

Mortgage

Document Number	0000010277,
Date	May 20, 2026
Instrument	202610277

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	770 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049280799
Date	Mar 26, 2018
Book Page	4928/799
Instrument	2018006302

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2048

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	770 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049980990
Date	Oct 17, 2018
Book Page	4998/990
Instrument	2018023201

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	770 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051380237
Date	Jan 7, 2020
Book Page	5138/237
Instrument	2020000547

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	770 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4373W W OUTER DR, DETROIT, MI 48221-1417

Mortgage

Document Number	0052350600
Date	Sep 3, 2020
Book Page	5235/600
Instrument	2020021295

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 770 N Riverside Ave was $19,850 with a homeowner's exemption, up 2.8% 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		$569,500 (+1.17%)	$1,139,000
2025	$19,850.00 (+2.81%) Homeowner's exemption	$562,900
2024	$19,308.00		$1,125,800
2023		$503,600
2022	$17,947.00		$1,007,200

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

FEMA maps place 770 N Riverside Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 770 N Riverside Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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.

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