1628 Mill St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 1628 Mill St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1958
Lot Size	0.77 acres (33,541 sqft)
Owner	Individual Name on File
Last Sale	$129,900 (Aug 2022)
Tax Bill	$2,330 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-003-1019-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-003-1019-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	33,541 sqft (0.77 acres)
Lot Dimensions	386 ft deep x 80 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	1628 MILL ST
City	CLAY
State	MI
Zip	48001-4513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	E 80' OF W 465' OF S 10 A OF E 1/2 OF NW 1/4 FRAC SECTION 3 T2N R16E .77A
Legal Range	16E
Legal Township	02N
Legal Section	03
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1007
Census Tract	646000

Owner

1628 Mill St is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1628 MILL ST, CLAY, MI 48001-4513
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 4, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CHOICEONE BANK A MICHIGAN STATE CHARTERE
Aug 10, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2022 · Amount on File
Deed Sale	Aug 10, 2022 · Amount on File
Deed Document Number	202218924
Deed Book / Page	5550 / 926
Prior Transfer Date	Mar 8, 2007
Prior Transfer Doc	003691/776
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1628 MILL ST, CLAY, MI 48001-4513
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1628 MILL ST, CLAY, MI 48001-4513

Mortgage

Document Number	0005902496
Date	Mar 4, 2026
Book Page	5902/496
Instrument	2026004021

Lender

Name	CHOICEONE BANK A MICHIGAN STATE CHARTERE
Address	109 E DIVISION ST, SPARTA, MI 49345

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2041

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 10, 2022
Property Address	1628 MILL ST, CLAY, MI 48001-4513
Document Number	0005550926
Book / Page	5550 / 926
Instrument Date	Jul 14, 2022
Instrument	2022018924
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	LEGACY TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5109 26TH AVE S, 5109, GULFPORT, FL 33707-5129

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1628 MILL ST, CLAY, MI 48001-4513

Mortgage

Document Number	0005544647
Date	Jul 21, 2022
Book Page	5544/647
Instrument	2022017453

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1628 Mill St was $2,330 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

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Clay Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$79,700 (+7.99%)	$159,400
2025	$2,330.00 (+2.24%) Homeowner's exemption	$73,800
2024	$2,279.00		$147,600
2023		$61,200
2022	$1,284.00		$122,400

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 1628 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	11 (1981–2019)
Claims Outside the SFHA	8 of 11
Most Recent Claim	Jun 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 1628 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 Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct 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 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 67 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.

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