Sold
809 Waterloo Street, St. Clair, MI 48079
Sold on 09/26/2025 for$140,000
MLS # 20251030034 (Realcomp)
3 beds1 bath1,714 sqftBuilt 19400.23 acres
1 / 21
Listing Description
Located minutes away from downtown St. Clair! This 3 bedroom (3rd bedroom is a walkthrough) has a newer furnace and dimensional roof. Charming covered front porch for summer relaxation and spacious living and dining room! This home is priced for your future vision and ideas to make this a great home! Outside you'll find a prior Mother in law suite with it's own address from previous generations. This area is not valued nor can it be used as currently set up and would need approval by the building department and brought to code, but could be an amazing flex/office area during climate weather or a fascinating kids playhouse! Bring your ideas and imagination and get into a great area at a great price! Home is being offered taking future updates or reconfigurations as wanted in mind! SORRY, NO FHA OR VA OFFERS.
Source: SparkMLS
About this home
3-bedroom, 1-bath, 1,714 sq ft home in St Clair in St. Clair built in 1940.
Final sale price: $140,000 (about $82/sq ft).
Property tax estimate: $2,649 per year ($221/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by DTE Electric Company; natural gas by SEMCO Energy Gas Company. Fiber internet is available at this address with download speeds up to 1,200 Mbps across 7 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Living Area1,714 sqft
Lot Size0.23 acres
Year Built1940
Stories2
Location
CitySt. Clair
MunicipalitySt. Clair City
Zip Code48079
CountySt. Clair
School DistrictEast China School District
Construction & Systems
ConstructionAluminum Siding
BasementMichigan Basement
HeatingForced Air
WaterPublic
Sale & Financing
Listed8/21/2025
Sold Date9/25/2025
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,649
Parcel #74076950012000
Source: SparkMLS
Legal Description
LOT 12 LUDYAH ROBINSONS PLAT OF PART OF THE VILLAGE OF ST CLAIR
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Burt Smith
Caldera Real Estate Group
Frequently Asked Questions about 809 Waterloo Street, St. Clair, MI 48079
Which school district serves 809 Waterloo Street, St. Clair, MI 48079?
Per MLS# 20251030034, 809 Waterloo Street, St. Clair, MI 48079 is in the East China School District boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact East China School District directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 20251030034, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 809 Waterloo Street, St. Clair, MI 48079?
Per public tax records, annual property taxes for this property are $2,649. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 809 Waterloo Street, St. Clair, MI 48079 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 809 Waterloo Street, St. Clair, MI 48079 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 809 Waterloo Street, St. Clair, MI 48079. The maximum advertised download speed is 1.2 Gbps. 7 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 809 Waterloo Street, St. Clair, MI 48079?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: SEMCO Energy Gas Company. Water: Public. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the St. Clair City police department or the St. Clair County sheriff's office.
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Monthly payment$908
Principal & interest$908
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
1.2 Gbps
Upload
100 Mbps
CableFiberGSO SatelliteLicensed Fixed WirelessSatelliteDSL
7 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
DTE Electric Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
809 Waterloo Street, St. Clair, MI 48079
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Municipality
St Clair
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