St. Clair County property record for 850 S 12th St, Saint Clair, MI 48079
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,176 sqft · built 1972 |
| Lot Size | 0.225 acres (9,801 sqft) |
| Owner | Individual Name on File |
| Last Sale | $118,000 (Sep 2015) |
| Tax Bill | $3,267 (2025) |
| Deeds & Mortgages | Aug 2022 Second Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-07-706-0035-000 |
| Primary APN | 74-07-706-0035-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 1,176 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Lot Area | 9,801 sqft (0.225 acres) |
| Lot Dimensions | 140 ft deep x 70 ft wide |
| Garage Area | 564 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 850 S 12TH ST |
|---|---|
| City | SAINT CLAIR |
| State | MI |
| Zip | 48079-4932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A MED D |
| Legal Description | LOT 35 SHARRNEL SUBDIVISION |
| Legal Subdivision | SHARRNEL |
| Legal Lot Number | 35 |
| Legal Unit | 35 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ST. CLAIR |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 642000 |
850 S 12th St is owned and occupied by an individual who bought it in September 2015.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 850 S 12TH ST, SAINT CLAIR, MI 48079-4932 |
| 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 |
|---|---|
| Aug 30, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GENISYS CU |
| Oct 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2015 · Amount on File |
| Deed Sale | Sep 10, 2015 · Amount on File |
| Prior Sale | Oct 14, 2014 · Amount on File |
| Deed Document Number | 201521016 |
| Deed Book / Page | 4637 / 620 |
| Prior Transfer Date | Oct 9, 2014 |
| Prior Transfer Doc | 0045450961 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 850 S 12TH ST, SAINT CLAIR, MI 48079-4932 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 850 S 12TH ST, SAINT CLAIR, MI 48079-4932 |
| Document Number | 0005557155 |
|---|---|
| Date | Aug 30, 2022 |
| Book Page | 5557/155 |
| Instrument | 2022020386 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 9, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 850 S 12TH ST, SAINT CLAIR, MI 48079-4932 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 850 S 12TH ST, SAINT CLAIR, MI 48079-4932 |
| Document Number | 0005264429 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 5264/429 |
| Instrument | 2020027042 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Sep 1, 2035 |
The 2025 property tax bill for 850 S 12th St was $3,267 with a homeowner's exemption, up 4.1% 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 | $108,800 (+1.78%) | $217,600 | |
| 2025 | $3,267.00 (+4.08%) Homeowner's exemption | $106,900 | |
| 2024 | $3,139.00 | $213,800 | |
| 2023 | $98,700 | ||
| 2022 | $2,905.00 | $197,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 850 S 12th 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.
The area around 850 S 12th 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 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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