1632 Mill St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 1632 Mill St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,400 sqft · built 1987
Lot Size	0.77 acres (33,541 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jun 2025)
Tax Bill	$3,103 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-003-1022-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-003-1022-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,400 sqft Living Area
1st Floor Area	1,740 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	33,541 sqft (0.77 acres)
Lot Dimensions	386 ft deep x 80 ft wide
Garage Area	1,776 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1632 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 285' OF S 10 A OF E 1/2 OF NW 1/4 0.77 A FRAC SEC 3 T2N R16E
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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1632 MILL ST, CLAY, MI 48001-4513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Oct 8, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 1, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 30, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Aug 29, 2018	Quit Claim Deed, Transfer FIRST PREMIER TITLE AGENCY
Aug 29, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2025 · Amount on Record
Deed Sale	Jun 6, 2025 · Amount on Record
Prior Sale	Aug 29, 2018 · Amount on Record
Deed Document Number	202510628
Deed Book / Page	5819 / 934
Prior Transfer Date	Jul 17, 2018
Prior Transfer Doc	0049830001
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 17, 2026
Property Address	1632 MILL ST, CLAY, MI 48001-4513
Document Number	0000016645
Book / Page	5955 / 24
Instrument Date	Jul 10, 2026
Instrument	202616645
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1632 MILL ST, CLAY, MI 48001-4513

Mortgage

Document Number	0000016645,
Date	Aug 17, 2026
Book Page	5955/24
Instrument	202616645

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	May 1, 2055

Interest

Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1632 MILL ST, CLAY, MI 48001-4513
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000585947
Date	Oct 8, 2025
Book Page	5859/47
Instrument	2025019164

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	650 S TRYON ST # 88, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2055

Interest

Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1632 MILL ST, CLAY, MI 48001-4513
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1632 MILL ST, CLAY, MI 48001-4513

Mortgage

Document Number	0053110838
Date	Feb 1, 2021
Book Page	5311/838
Instrument	2021002944

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1632 MILL ST, CLAY, MI 48001-4513
Document Number	0051170763
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1632 MILL ST CLAY MI 480014513, CLAY, MI 48001-4513

Mortgage

Document Number	0051170763
Date	Nov 7, 2019
Book Page	005117/000763

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 29, 2018
Property Address	1632 MILL ST, CLAY, MI 48001-4513
Document Number	0049830001
Book / Page	004983 / 000001
Instrument Date	Aug 2, 2018
Transaction Type	Transfer
Record Updated	Sep 11, 2018
Title Company	FIRST PREMIER TITLE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1632 MILL ST CLAY MI 480014513, CLAY, MI 48001-4513

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 29, 2018
Property Address	1632 MILL ST, CLAY, MI 48001-4513
Document Number	0049830002
Book / Page	004983 / 000002
Instrument Date	Jul 17, 2018
Transaction Type	Transfer
Record Updated	Sep 11, 2018
Title Company	FIRST PREMIER TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,849.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	937 SUMMER ST ALGONAC MI 480011243, ALGONAC, MI 48001-1243

Mortgage

Document Number	49830005
Date	Aug 29, 2018
Book Page	004983/000005

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2048

Tax Assessment & Valuation

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		$158,100 (+17.55%)	$316,200 (+17.55%)
2025	$3,103.00 (+2.24%) Homeowner's exemption	$134,500 (+24.54%)
2024	$3,035.00 (+8.59%)		$269,000 (+24.54%)
2023		$108,000
2022	$2,795.00		$216,000

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

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 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

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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