805 Adams St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 805 Adams St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,315 sqft · built 1870
Lot Size	0.209 acres (9,104 sqft)
Owner	Individual Name on Record
Last Sale	$319,900 (Oct 2023)
Tax Bill	$5,905 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-053-0220-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-053-0220-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,315 sqft Living Area
1st Floor Area	1,658 sqft
Basement Area	336 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Lot Area	9,104 sqft (0.209 acres)
Lot Dimensions	90 ft deep x 101 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	805 ADAMS ST
City	SAINT CLAIR
State	MI
Zip	48079-4867
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	BEG AT NE COR OF LOT 6 BLK 13, TH N 83D 31M W 90', TH N 6D 29M E 104.35', TH S 79D 59M 20S E 90.16', TH S 6D 29M W 98.7' TO
Legal Subdivision	MAP PRIVATE CLAIM 304 & 305
Legal Block	13
Legal Lot Number	6
Legal Unit	6
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1027
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	805 ADAMS ST, SAINT CLAIR, MI 48079-4867
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 30, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 20, 2019	Deed of Trust, Mortgage · ARM FIFTH THIRD BANK
Aug 23, 2022	Warranty Deed, Transfer · VA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Prior Sale	Aug 23, 2022 · Amount on Record
Deed Document Number	202319264
Deed Book / Page	5666 / 886
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	805 ADAMS ST, SAINT CLAIR, MI 48079-4867
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 ADAMS ST, SAINT CLAIR, MI 48079-4867

Mortgage

Document Number	0005863722
Date	Oct 22, 2025
Book Page	5863/722
Instrument	2025020266

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	1400 FORUM BLVD STE 18, COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 30, 2023
Property Address	805 ADAMS ST, SAINT CLAIR, MI 48079-4867
Document Number	0005666886
Book / Page	5666 / 886
Instrument Date	Oct 11, 2023
Instrument	2023019264
Transaction Type	Transfer
Record Updated	Dec 22, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	805 ADAMS ST, SAINT CLAIR, MI 48079-4867

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1407 JUNIPER CT, COLUMBUS, MI 48063-3240

Mortgage

Document Number	0005669715
Date	Nov 8, 2023
Book Page	5669/715
Instrument	2023019927

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	805 ADAMS ST, SAINT CLAIR, MI 48079-4867
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005068309
Date	Jun 20, 2019
Book Page	5068/309
Instrument	2019012613

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 12, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.38%
Index	1-Year LIBOR

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 23, 2022
Property Address	805 ADAMS ST, SAINT CLAIR, MI 48079-4867
Document Number	0005555190
Book / Page	5555 / 190
Instrument Date	Aug 1, 2022
Instrument	2022019898
Transaction Type	Transfer
Record Updated	Sep 12, 2022
Title Company	CISLO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,287.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	805 ADAMS ST, 805, SAINT CLAIR, MI 48079-4867

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1187 GRANDVIEW DR, GRASS LAKE, MI 49240-9314

Mortgage

Document Number	0005548772
Date	Aug 3, 2022
Book Page	5548/772
Instrument	2022018427

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Type	Mortgage Company
Address	ANN ARBOR, MI 48108

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

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		$153,700 (-1.47%)	$307,400 (-1.47%)
2025	$5,905.00 (+2.8%) Homeowner's exemption	$156,000 (+19.27%)
2024	$5,744.00 (+79.33%)		$312,000 (+19.27%)
2023		$130,800
2022	$3,203.00		$261,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2001 · other causes

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	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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