815 Waterloo St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 815 Waterloo St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,812 sqft
Lot Size	0.165 acres (7,187 sqft)
Owner	2 Individual Names on Record
Last Sale	$133,000 (Feb 2008)
Tax Bill	$2,404 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-695-0011-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-695-0011-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,812 sqft Living Area
1st Floor Area	1,215 sqft
Basement Area	1,215 sqft

Exterior

Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	815 WATERLOO ST
City	SAINT CLAIR
State	MI
Zip	48079-5460
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	LOT 11 LUDYAH ROBINSONS PLAT OF PART OF THE VILLAGE OF ST CLAIR
Legal Subdivision	LUDYAH ROBINSON
Legal Lot Number	11
Legal Unit	11
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	4
Census Block	4010
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	2 Individual Names on Record
Mailing Address	815 WATERLOO ST, SAINT CLAIR, MI 48079-5460
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Line of Credit ADVIA CREDIT UNION
Mar 16, 2026	Intrafamily Transfer, Transfer
Mar 16, 2026	Intrafamily Transfer, Transfer
Dec 18, 2020	Deed of Trust, Mortgage · Conventional with PMI SIMPLE HM LNDG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2008 · Amount on Record
Deed Sale	Feb 28, 2008 · Amount on Record
Prior Sale	Apr 12, 2007 · Amount on Record
Deed Document Number	20084634
Deed Book / Page	3817 / 529
Last Transfer Date	Jan 28, 2026
Transfer Doc	0005905453
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 7, 2026
Property Address	815 WATERLOO ST, SAINT CLAIR, MI 48079-5460
Document Number	0005913192
Book / Page	5913 / 192
Instrument Date	Apr 2, 2026
Instrument	20266861
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate, 156
Address	815 WATERLOO ST, SAINT CLAIR, MI 48079-5460

Mortgage

Document Number	0000006861,
Date	Apr 7, 2026
Book Page	5913/192
Instrument	20266861

Lender

Name	ADVIA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6%
Max Rate	-1%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 16, 2026
Property Address	815 WATERLOO ST, SAINT CLAIR, MI 48079-5460
Document Number	0005905456
Book / Page	5905 / 456
Map Reference	LB D PG 37
Instrument Date	Jan 29, 2026
Instrument	2026004658
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	815 WATERLOO ST, SAINT CLAIR, MI 48079-5460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 WATERLOO ST, SAINT CLAIR, MI 48079-5460

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 16, 2026
Property Address	815 WATERLOO ST, SAINT CLAIR, MI 48079-5460
Document Number	0005905453
Book / Page	5905 / 453
Map Reference	LB D PG 37
Instrument Date	Jan 28, 2026
Instrument	2026004657
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	815 WATERLOO ST, SAINT CLAIR, MI 48079-5460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 WATERLOO ST, SAINT CLAIR, MI 48079-5460

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	815 WATERLOO ST, SAINT CLAIR, MI 48079-5460
Document Number	0053090079
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	815 WATERLOO ST ST CLAIR MI 480795460, ST CLAIR, MI 48079-5460

Mortgage

Document Number	0053090079
Date	Jan 27, 2021
Book Page	005309/000079

Lender

Name	SIMPLE HM LNDG LLC
Address	MACOMB, MI 48044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2051

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		$102,900 (-1.25%)	$205,800 (-1.25%)
2025	$2,404.00 (+2.78%) Homeowner's exemption	$104,200 (+26.46%)
2024	$2,339.00 (+7.59%)		$208,400 (+26.46%)
2023		$82,400
2022	$2,174.00		$164,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

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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