1103 Beth Ct, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 1103 Beth Ct, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,482 sqft · built 2012
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (May 2026)
Tax Bill	$4,006 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-01-173-0086-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-173-0086-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,482 sqft Living Area
1st Floor Area	1,470 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Ranch
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	207 ft deep x 70 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1103 BETH CT
City	CLAY
State	MI
Zip	48001-4818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 86 TIMBER RIDGE SUBDIVISION NO 3 ACCORDING TO THE PLAT RECORDED IN LIBER 106 PGS 1 THRU 10 ST CLAIR COUNTY REGISTER OF
Legal Subdivision	TIMBER RIDGE SUBDIVISION
Legal Lot Number	86
Legal Unit	86
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3003
Census Tract	649000

Owner

1103 Beth Ct is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	6396 LINDSEY RD, CHINA, MI 48054-2511
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Jun 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL HOME MORTGAGE CORPORATION
May 26, 2026	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP
Mar 24, 2026	Deed, Transfer FIRST PREMIER TITLE AGENCY, FIRST PREMIER TITLE AGCY LLC
Nov 20, 2017	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2026 · Amount on File
Deed Sale	May 26, 2026 · Amount on File
Prior Sale	Nov 20, 2017 · Amount on File
Deed Document Number	202610507
Deed Book / Page	5927 / 516
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 1, 2026
Property Address	1103 BETH CT, CLAY, MI 48001-4818
Document Number	0000010853
Book / Page	5929 / 261
Instrument Date	May 20, 2026
Instrument	202610853
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6396 LINDSEY RD, CHINA, MI 48054-2511

Mortgage

Document Number	0000010853,
Date	Jun 1, 2026
Book Page	5929/261
Instrument	202610853

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 26, 2026
Property Address	1103 BETH CT, CLAY, MI 48001-4818
Document Number	0000010507
Book / Page	5927 / 516
Instrument Date	May 20, 2026
Instrument	202610507
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount on Record
Tax	$215,887.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6396 LINDSEY RD, CHINA, MI 48054-2511

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 24, 2026
Property Address	1103 BETH CT, CLAY, MI 48001-4818
Document Number	0005908471
Book / Page	5908 / 471
Map Reference	LB 106 PG 1 TO 10
Instrument Date	Feb 27, 2026
Instrument	2026005376
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	FIRST PREMIER TITLE AGENCY, FIRST PREMIER TITLE AGCY LLC

Transaction

Amount	Amount on Record
Tax	$967.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 BETH CT, CLAY, MI 48001-4818

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 20, 2017
Property Address	1103 BETH CT, CLAY, MI 48001-4818
Document Number	0048920114
Book / Page	004892 / 000114
Instrument Date	Sep 29, 2017
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	FIRST PREMIER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,548.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1103 BETH CT CLAY MI 480014818, CLAY, MI 48001-4818

Mortgage

Document Number	48920115
Date	Nov 20, 2017
Book Page	004892/000115

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1103 Beth Ct was $4,006 with a homeowner's exemption, up 2% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Algonac City
County	St. Clair County
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$141,100 (+5.61%)	$282,200
2025	$4,006.00 (+2.01%) Homeowner's exemption	$133,600
2024	$3,927.00		$267,200
2023		$112,700
2022	$3,504.00		$225,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1103 Beth Ct 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
Flood Insurance Cost	Premium on File median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Aug 2000 · rainfall accumulation

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 1103 Beth Ct is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 ALGONAC serves 4,110 people · EPA ID MI0000110
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 151 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, Verizon.

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