970 S 12th St, Saint Clair, MI 48079 Property Records

St. Clair County property record for 970 S 12th St, Saint Clair, MI 48079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,469 sqft · built 1975
Lot Size	0.351 acres (15,290 sqft)
Owner	Individual Name on Record
Last Sale	$169,000 (Feb 2018)
Tax Bill	$3,869 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-07-706-0033-000`

Property Details

APN / Parcel Number

Primary APN	`74-07-706-0033-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,469 sqft Living Area
1st Floor Area	1,469 sqft
Basement Area	1,197 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	15,290 sqft (0.351 acres)
Lot Dimensions	121 ft deep x 125 ft wide
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	970 S 12TH ST
City	SAINT CLAIR
State	MI
Zip	48079-4934
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A MED D
Legal Description	LOT 33 SHARRNEL SUBDIVISION
Legal Subdivision	SHARRNEL
Legal Lot Number	33
Legal Unit	33
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ST. CLAIR
Census Block Group	3
Census Block	3016
Census Tract	642000

Owner

Source: St. Clair County records, as of December 23, 2025

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 S 12TH ST, SAINT CLAIR, MI 48079-4934
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2018 · Amount on Record
Deed Sale	Feb 26, 2018 · Amount on Record
Prior Sale	Dec 17, 2013 · Amount on Record
Deed Document Number	20184095
Prior Transfer Date	Jul 29, 2009
Prior Transfer Doc	003983/376
Record Updated	Jun 8, 2026

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 26, 2018
Property Address	970 S 12TH ST, SAINT CLAIR, MI 48079-4934
Document Number	0049190910
Book / Page	004919 / 000910
Instrument Date	Feb 16, 2018
Transaction Type	Transfer
Record Updated	Mar 21, 2018
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,453.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	636 CREDITON ST LAKE ORION MI 483622030, LAKE ORION, MI 48362-2030

Mortgage

Document Number	49190709
Date	Feb 26, 2018
Book Page	004919/000709

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2048

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

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
2025	$3,869.00 (-7.86%) Homeowner's exemption	$142,100 (+8.56%)
2024	$4,199.00 (+7.94%)		$284,200 (+8.56%)
2023		$130,900
2022	$3,890.00		$261,800

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	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

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 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