1640 Mill St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 1640 Mill St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,418 sqft
Lot Size	1.12 acres (48,787 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Oct 2020)
Tax Bill	$4,584 (2025)
Deeds & Mortgages	Oct 2020 Sale Oct 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-003-1024-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-003-1024-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,418 sqft Living Area
1st Floor Area	1,418 sqft
Basement Area	1,408 sqft

Exterior

Lot Area	48,787 sqft (1.12 acres)
Lot Dimensions	386 ft deep x 125 ft wide
Garage Area	2,050 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1640 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	BEG ON E & W 1/4 LINE OF SEC 3, 1051.75' E OF W 1/4 COR, TH E 125', TH N 200', TH W 103', TH S 6D 16 1/2M W 201.20' TO BEG &
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	Individual Name on Record
Mailing Address	1640 MILL ST, CLAY, MI 48001-4513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Oct 7, 2020	Warranty Deed, Transfer NOT AVAILABLE
Aug 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2020 · Amount on Record
Deed Sale	Oct 7, 2020 · Amount on Record
Deed Document Number	202024626
Deed Book / Page	5252 / 302
Prior Transfer Date	Jul 1, 2020
Prior Transfer Doc	0005228835
Record Updated	Oct 29, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 21, 2020
Property Address	1640 MILL ST, CLAY, MI 48001-4513
Document Number	0052580900
Book / Page	005258 / 000900
Instrument Date	Sep 11, 2020
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 MILL ST CLAY MI 480014513, CLAY, MI 48001-4513

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 7, 2020
Property Address	1640 MILL ST, CLAY, MI 48001-4513
Document Number	0052520302
Book / Page	005252 / 000302
Instrument Date	Sep 11, 2020
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$14.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 MILL ST CLAY MI 480014513, CLAY, MI 48001-4513

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 20, 2020
Property Address	1640 MILL ST, CLAY, MI 48001-4513
Document Number	0052280835
Book / Page	005228 / 000835
Instrument Date	Jul 1, 2020
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 MILL ST CLAY MI 480014513, CLAY, MI 48001-4513

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		$156,900 (+5.16%)	$313,800 (+5.16%)
2025	$4,584.00 (+2.3%) Homeowner's exemption	$149,200 (+17.02%)
2024	$4,481.00 (+8.76%)		$298,400 (+17.02%)
2023		$127,500
2022	$4,120.00		$255,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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