St. Clair County property record for 820 S 11th St, Saint Clair, MI 48079
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,178 sqft · built 1982 |
| Lot Size | 0.204 acres (8,886 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Apr 2023) |
| Tax Bill | $4,043 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-07-706-0020-000 |
| Primary APN | 74-07-706-0020-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,178 sqft Living Area |
| 1st Floor Area | 1,178 sqft |
| Basement Area | 988 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Lot Area | 8,886 sqft (0.204 acres) |
| Lot Dimensions | 120 ft deep x 74 ft wide |
| Garage Area | 494 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 820 S 11TH ST |
|---|---|
| City | SAINT CLAIR |
| State | MI |
| Zip | 48079-4922 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A MED D |
| Legal Description | LOT 20 SHARRNEL SUBD |
| Legal Subdivision | SHARRNEL |
| Legal Lot Number | 20 |
| Legal Unit | 20 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ST. CLAIR |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 642000 |
820 S 11th St is owned and occupied by an individual who bought it in April 2023.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 820 S 11TH ST, SAINT CLAIR, MI 48079-4922 |
| 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.
| Date | Document |
|---|---|
| Apr 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE CENTER |
| Jul 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2023 · Amount on File |
| Deed Sale | Apr 17, 2023 · Amount on File |
| Prior Sale | Oct 23, 2013 · Amount on File |
| Deed Document Number | 20236956 |
| Deed Book / Page | 5614 / 180 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Apr 17, 2023 |
| Property Address | 820 S 11TH ST, SAINT CLAIR, MI 48079-4922 |
| Document Number | 0005614180 |
| Book / Page | 5614 / 180 |
| Map Reference | LB 65 PG 7 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 2023006956 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2023 |
| Title Company | ATA NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,425.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 820 S 11TH ST, SAINT CLAIR, MI 48079-4922 |
| Name | Verified Name |
|---|---|
| Address | 540 NOLAN RD, WALES, MI 48027-3824 |
| Document Number | 2023006957 |
|---|---|
| Date | Apr 17, 2023 |
| Instrument | 2023006957 |
| Name | MORTGAGE CENTER |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Apr 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.25% |
| Index | 1-Year T-Bill |
| Max Rate | 10.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 820 S 11TH ST, SAINT CLAIR, MI 48079-4922 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2021 |
| Name | Verified Name |
|---|---|
| Address | 820 S 11TH ST, SAINT CLAIR, MI 48079-4922 |
| Document Number | 5398258 |
|---|---|
| Date | Jul 23, 2021 |
| Book Page | 5398/258 |
| Instrument | 2021021392 |
| Name | MICHIGAN SCHOOLS & GOVERNMENT CU |
|---|---|
| Type | Credit Union |
| Address | CLINTON TOWNSHIP, MI 48038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 820 S 11th St was $4,043 with a homeowner's exemption, up 3.8% 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 | $108,700 (+2.74%) | $217,400 | |
| 2025 | $4,043.00 (+3.83%) Homeowner's exemption | $105,800 | |
| 2024 | $3,894.00 | $211,600 | |
| 2023 | $97,300 | ||
| 2022 | $2,194.00 | $194,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 820 S 11th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1986.
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 | 9 in force |
| Nearby Flood Claims | 2 (1986–2020) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 2020 · river or lake flooding |
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 risk around 820 S 11th St 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 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 394 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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