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

St. Clair County property record for 970 N Riverside Ave, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,155 sqft · built 1909
Lot Size	1.71 acres (74,488 sqft)
Owner	Individual Name on Record
Last Sale	$1,030,000 (Oct 2020)
Tax Bill	$21,964 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-07-097-0042-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-097-0042-000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,155 sqft Living Area
1st Floor Area	2,104 sqft
Basement Area	1,346 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Lot Area	74,488 sqft (1.71 acres)
Lot Dimensions	372 ft deep x 200 ft wide
Garage Area	3,504 sqft
Parking Spaces	12 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	970 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	LOTS 27 & 28 ASSESSORS RIVERSIDE AVE PLAT
Legal Subdivision	ASSESSORS
Legal Lot Number	27-28
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	7
Census Block	7001
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	Individual Name on Record
Mailing Address	970 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4265
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2020 · Amount on Record
Deed Sale	Oct 29, 2020 · Amount on Record
Deed Document Number	202027023
Deed Book / Page	5264 / 333
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 29, 2020
Property Address	970 N RIVERSIDE AVE, SAINT CLAIR, MI 48079-4265
Document Number	0005264333
Book / Page	5264 / 333
Map Reference	LB 50 PG 35
Instrument Date	Oct 12, 2020
Instrument	2020027023
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 341008, BETHESDA, MD 20827-1008
Investor	Possibly a Property Investor

Mortgage

Document Number	2020027024
Date	Oct 29, 2020
Instrument	2020027024

Lender

Name	STAR ONE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Nov 1, 2025
Change Frequency	5 Years
Min Rate At Change	2.5%
Max Rate At Change	4.62%
Index	5-Year CMT
Max Rate	7.62%

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		$621,500 (+3.14%)	$1,243,000 (+3.14%)
2025	$21,964.00 (+2.81%) Homeowner's exemption	$602,600 (+10.63%)
2024	$21,364.00 (+7.59%)		$1,205,200 (+10.63%)
2023		$544,700
2022	$19,857.00		$1,089,400

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% 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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