1765 Mill St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 1765 Mill St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft
Lot Size	0.448 acres (19,515 sqft)
Owner	Individual Name on Record
Last Sale	$133,000 (Dec 2020)
Tax Bill	$2,501 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-469-0010-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-469-0010-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,144 sqft Living Area
1st Floor Area	572 sqft
Basement Area	572 sqft

Exterior

Lot Area	19,515 sqft (0.448 acres)
Lot Dimensions	300 ft deep x 65 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1765 MILL ST
City	CLAY
State	MI
Zip	48001-4516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	E 65 FT OF N 300 FT OF LOT 745 MEAS PARALLEL & WITH E & W 1/4 LINE SEC 3 SUP ROY T GILBERTS PLAT NO 8 SEC 3 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	03
Legal Subdivision	SUP ROY T GILBERTS PLAT #8
Legal Lot Number	745
Legal Unit	745
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1008
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	1765 MILL ST, CLAY, MI 48001-4516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2020 · Amount on Record
Deed Sale	Dec 2, 2020 · Amount on Record
Deed Document Number	202030417
Deed Book / Page	5281 / 189
Prior Transfer Date	Sep 22, 2009
Prior Transfer Doc	003988/193
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 2, 2020
Property Address	1765 MILL ST, CLAY, MI 48001-4516
Document Number	0005281189
Book / Page	5281 / 189
Map Reference	LB 49 PG 6
Instrument Date	Oct 28, 2020
Instrument	2020030417
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$997.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1765 MILL ST, 1765, CLAY, MI 48001-4516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1765 MILL ST, CLAY, MI 48001-4516

Mortgage

Document Number	2020030418
Date	Dec 2, 2020
Instrument	2020030418

Lender

Name	PLATINUM HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

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		$85,200 (+5.71%)	$170,400 (+5.71%)
2025	$2,501.00 (+2.25%) Homeowner's exemption	$80,600 (+18.7%)
2024	$2,446.00 (+8.42%)		$161,200 (+18.7%)
2023		$67,900
2022	$2,256.00		$135,800

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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