1620 Mill St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 1620 Mill St, Clay, MI 48001

Property Summary

Property TypeSingle Family Home
Details4 bd · 1 ba · 1,962 sqft
Lot Size0.33 acres (14,375 sqft)
OwnerIndividual Name on File
Last Sale$163,000 (Apr 2022)
Tax Bill$3,054 (2025)
Deeds & MortgagesFeb 2022 Mortgage
Apr 2022 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN74-14-003-1016-000

Property Details

APN / Parcel Number

Primary APN74-14-003-1016-000

Interior

Bedrooms4 Beds
Full Baths1 Bath
Building Area1,962 sqft Living Area
1st Floor Area1,428 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Lot Area14,375 sqft (0.33 acres)
Lot Dimensions167 ft deep x 70 ft wide
Garage Area308 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address1620 MILL ST
CityCLAY
StateMI
Zip48001-4513
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-1
Legal DescriptionS 200' OF E 70' OF W 695' OF E FRAC 1/2 OF NW FRAC 1/4 FRAC SECTION 3 T2N R16E .33A
Legal Range16E
Legal Township02N
Legal Section03
JurisdictionSAINT CLAIR MI
Township / Civil DivisionCLAY
Census Block Group1
Census Block1007
Census Tract646000

Owner

1620 Mill St is owned and occupied by an individual who bought it in April 2022.

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

Owner of RecordIndividual Name on File
Mailing Address1620 MILL ST, CLAY, MI 48001-4513
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Feb 16, 2022Deed of Trust, Mortgage · FHA Mortgage
ROCKET MORTGAGE LLC
Apr 6, 2022Warranty Deed, Transfer
Aug 29, 2018Warranty Deed, Transfer · Conventional Mortgage
AMERIFIRST FINANCIAL INC
Aug 24, 2018Quit Claim Deed, Transfer
LIBERTY TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 6, 2022 · Amount on File
Deed SaleApr 6, 2022 · Amount on File
Prior SaleAug 29, 2018 · Amount on File
Deed Document Number20229051
Deed Book / Page5508 / 154
Prior Transfer DateAug 20, 2018
Prior Transfer Doc0004981740
Record UpdatedOct 29, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAINT CLAIR MI
Property Address1620 MILL ST, CLAY, MI 48001-4513
Transaction TypeMortgage
Record UpdatedJun 13, 2023
Title CompanyABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name
Address7340 STARVILLE RD, COTTRELLVILLE, MI 48039-2426

Mortgage

Document Number0005488226
DateFeb 16, 2022
Book Page5488/226
Instrument2022003981
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2052

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAINT CLAIR MI
Recording DateApr 6, 2022
Property Address1620 MILL ST, CLAY, MI 48001-4513
Document Number0005508154
Book / Page5508 / 154
Instrument DateFeb 11, 2022
Instrument2022009051
Transaction TypeTransfer
Record UpdatedApr 27, 2022

Transaction

AmountAmount on Record
Tax$1,222.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1620 MILL ST, 1620, CLAY, MI 48001-4513

Transferred To (Grantee/Buyer)

NameVerified Name
Address7340 STARVILLE RD, COTTRELLVILLE, MI 48039-2426

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAINT CLAIR MI
Recording DateAug 29, 2018
Property Address1620 MILL ST, CLAY, MI 48001-4513
Document Number0004982664
Book / Page4982 / 664
Instrument DateAug 20, 2018
Instrument2018019447
Transaction TypeTransfer
Record UpdatedFeb 11, 2022
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,247.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1620 MILL ST, CLAY, MI 48001-4513

Mortgage

Document Number2018019448
DateAug 29, 2018
Instrument2018019448
Lender
NameAMERIFIRST FINANCIAL INC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Interest
Rate TypeFixed Rate

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAINT CLAIR MI
Recording DateAug 24, 2018
Property Address1620 MILL ST, CLAY, MI 48001-4513
Document Number0049810740
Book / Page004981 / 000740
Instrument DateAug 20, 2018
Transaction TypeTransfer
Record UpdatedSep 10, 2018
Title CompanyLIBERTY TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1620 MILL ST CLAY MI 480014513, CLAY, MI 48001-4513

Tax Assessment & Valuation

The 2025 property tax bill for 1620 Mill St was $3,054 with a homeowner's exemption, up 2.2% from the year before.

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

Property Jurisdictions

TypeName
StateMichigan
CountySt. Clair County
County SubdivisionClay Township
Unified School DistrictAlgonac Community School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$102,600 (+7.89%)$205,200
2025$3,054.00 (+2.24%) Homeowner's exemption$95,100
2024$2,987.00$190,200
2023$81,200
2022$2,099.00$162,400

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 1620 Mill St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 26 policies
Nearby Flood Policies26 in force
Nearby Flood Claims11 (1981–2019)
Claims Outside the SFHA8 of 11
Most Recent ClaimJun 2019

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 1620 Mill St is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemCITY OF ALGONAC
serves 4,110 people · EPA ID MI0000110
Water SourceSurface water
Last State InspectionJan 2026
Lead3 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 67 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable
1,200 / 35
T-Mobile
Fixed Wireless
100 / 20

May also be available: AT&T.

Nearby Properties on Mill St

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