St. Clair County property record for 815 Jay St, Saint Clair, MI 48079
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,118 sqft · built 1928 |
| Lot Size | 0.248 acres (10,803 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (Aug 2016) |
| Tax Bill | $3,898 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-07-049-0217-000 |
| Primary APN | 74-07-049-0217-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,118 sqft Living Area |
| 1st Floor Area | 1,502 sqft |
| Basement Area | 672 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Lot Area | 10,803 sqft (0.248 acres) |
| Lot Dimensions | 90 ft deep x 120 ft wide |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 815 JAY ST |
|---|---|
| City | SAINT CLAIR |
| State | MI |
| Zip | 48079-5324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A MED D |
| Legal Description | LOT 1, N 1/2 OF LOT 2, W 1/3 OF N 1/2 OF LOT 5 & W 1/3 OF LOT 6 BLK 12 MAP OF ST CLAIR |
| Legal Subdivision | MAP OF ST CLAIR |
| Legal Block | 12 |
| Legal Lot Number | 1-2,5-6 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ST. CLAIR |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 642000 |
815 Jay St is owned and occupied by two individuals who acquired it in August 2025.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 815 JAY ST, SAINT CLAIR, MI 48079-5324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2016 · Amount on File |
| Deed Sale | Aug 15, 2016 · Amount on File |
| Deed Document Number | 201617904 |
| Deed Book / Page | 4738 / 540 |
| Last Transfer Date | Aug 12, 2025 |
| Transfer Doc | 0005840129 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 815 JAY ST, SAINT CLAIR, MI 48079-5324 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2021 |
| Title Company | TITLE RESOLUTIONS, TITLE SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 815 JAY ST, SAINT CLAIR, MI 48079-5324 |
| Document Number | 5451804 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 5451/804 |
| Instrument | 2021032497 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 815 Jay St was $3,898 with a homeowner's exemption, up 2.8% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| Municipality | St. Clair City |
| Unified School District | East China School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $202,100 (+7.96%) | $404,200 | |
| 2025 | $3,898.00 (+2.82%) Homeowner's exemption | $187,200 | |
| 2024 | $3,791.00 | $374,400 | |
| 2023 | $157,300 | ||
| 2022 | $3,524.00 | $314,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 815 Jay St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.
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.
The area around 815 Jay 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.
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 |
| 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.
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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