St. Clair County property record for 1245 Fruit St, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,002 sqft · built 1946 |
| Lot Size | 0.539 acres (23,522 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $69,000 (Nov 2015) |
| Tax Bill | $1,612 (2024) |
| Deeds & Mortgages | Dec 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-01-107-0044-000 |
| Primary APN | 74-01-107-0044-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,002 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Architectural Style | Ranch |
| Lot Area | 23,522 sqft (0.539 acres) |
| Lot Dimensions | 233 ft deep x 100 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 74011070044000 |
|---|---|
| Street Address | 1245 FRUIT ST |
| City | CLAY |
| State | MI |
| Zip | 48001-1211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | N 1/2 OF E 100' OF LOT 47 EXC S 50' THEREOF LYING NELY OF NELY LINE OF SUMMER ST EXTD ALGONAC ASSESSOR'S PLAT |
| Legal Subdivision | ASSESSORS OF ALGONAC |
| Legal Lot Number | 47 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 649000 |
Source: St. Clair County records, as of October 6, 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 | 1245 FRUIT ST, CLAY, MI 48001-1211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2015 · Amount on Record |
| Deed Sale | Nov 20, 2015 · Amount on Record |
| Deed Document Number | 0004665147 |
| Prior Transfer Date | Aug 24, 2010 |
| Prior Transfer Doc | 2010016504 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1245 FRUIT ST, CLAY, MI 48001-1211 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1245 FRUIT ST, CLAY, MI 48001-1211 |
| Document Number | 0005586107 |
|---|---|
| Date | Dec 15, 2022 |
| Book Page | 5586/107 |
| Instrument | 2022027422 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
Source: St. Clair County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Algonac City |
| County | St. Clair County |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $83,900 (+15.41%) | ||
| 2024 | $1,612.00 (+14.25%) | $167,800 (+15.41%) | |
| 2023 | $72,700 | ||
| 2022 | $1,411.00 | $145,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 290 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 |
May also be available: AT&T.
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