904 N Riverside Ave, Saint Clair, MI 48079 Property Records

St. Clair County property record for 904 N Riverside Ave, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 4,936 sqft · built 1890
Lot Size	0.872 acres (37,984 sqft)
Owner	Trust Name on File
Last Sale	$840,000 (Dec 2020)
Tax Bill	$18,579 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-07-097-0034-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-097-0034-000`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,936 sqft Living Area
1st Floor Area	2,424 sqft
Basement Area	1,549 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	37,984 sqft (0.872 acres)
Lot Dimensions	380 ft deep x 100 ft wide
Garage Area	1,650 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	904 N RIVERSIDE AVE
City	SAINT CLAIR
State	MI
Zip	48079-4265
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 LOW DE
Legal Description	LOT 21 ASSESSORS RIVERSIDE AVE PLAT
Legal Subdivision	ASSESSORS
Legal Lot Number	21
Legal Unit	21
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7001
Census Tract	642000

Owner

904 N Riverside Ave is owner-occupied and held in a trust since December 2020.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Trust Name on File
Mailing Address	904 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4265
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 30, 2017	Deed of Trust, Mortgage · ARM CHEMICAL BANK
Dec 3, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2020 · Amount on File
Deed Sale	Dec 3, 2020 · Amount on File
Deed Document Number	202030606
Deed Book / Page	5282 / 513
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	904 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4265
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4265

Mortgage

Document Number	0053240247
Date	Feb 24, 2021
Book Page	5324/247
Instrument	2021005458

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	904 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4265
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048450001
Date	Jun 30, 2017
Book Page	4845/001
Instrument	2017016429

Lender

Name	CHEMICAL BANK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2022
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 3, 2020
Property Address	904 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4265
Document Number	0005282513
Book / Page	5282 / 513
Map Reference	LB 50 PG 35
Instrument Date	Nov 19, 2020
Instrument	2020030606
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	904 N RIVERSIDE AVE, 904, SAINT CLAIR, MI 48079-4265

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	448 23RD PL, MANHATTAN BEACH, CA 90266-4307

Mortgage

Document Number	2020030607
Date	Dec 3, 2020
Instrument	2020030607

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 904 N Riverside Ave was $18,579 with a homeowner's exemption, up 2.8% from the year before.

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		$529,900 (+0.59%)	$1,059,800
2025	$18,579.00 (+2.81%) Homeowner's exemption	$526,800
2024	$18,072.00		$1,053,600
2023		$481,900
2022	$16,797.00		$963,800

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

Flood

FEMA maps place 904 N Riverside Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 904 N Riverside Ave 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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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