1820 Mill St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 1820 Mill St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,161 sqft
Lot Size	4.03 acres (175,634 sqft)
Owner	Individual Name on File
Last Sale	$281,000 (Jan 2023)
Tax Bill	$3,937 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jan 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-003-1026-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-003-1026-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	2,161 sqft Living Area
1st Floor Area	1,572 sqft
Basement Area	1,572 sqft

Exterior

Lot Area	175,634 sqft (4.03 acres)
Lot Dimensions	460 ft deep x 200 ft wide
Garage Area	325 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1820 MILL ST
City	CLAY
State	MI
Zip	48001-4517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	BEG 725' E & N 3 1/2D E 33' FROM INT. OF MILL & MARSH RDS, TH N 3 1/2D E 639.9' TH S 87D 10M E 362.3', TH S 5D 20M W 298.7',
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

1820 Mill St is owned and occupied by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1820 MILL ST, CLAY, MI 48001-4517
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
Jan 11, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 23, 2023	Warranty Deed, Transfer
Dec 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2023 · Amount on File
Deed Sale	Jan 23, 2023 · Amount on File
Prior Sale	Aug 5, 2011 · Amount on File
Deed Document Number	20231265
Deed Book / Page	5593 / 948
Prior Transfer Date	Jul 23, 2010
Prior Transfer Doc	004059/603
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1820 MILL ST, CLAY, MI 48001-4517
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25990 JEANETTE CT, ROSEVILLE, MI 48066-3828

Mortgage

Document Number	0005591303
Date	Jan 11, 2023
Book Page	5591/303
Instrument	2023000591

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 23, 2023
Property Address	1820 MILL ST, CLAY, MI 48001-4517
Document Number	0005593948
Book / Page	5593 / 948
Instrument Date	Dec 16, 2022
Instrument	2023001265
Transaction Type	Transfer
Record Updated	Feb 13, 2023

Transaction

Amount	Amount on Record
Tax	$2,107.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1820 MILL ST, CLAY, MI 48001-4517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 MILL ST, CLAY, MI 48001-4517

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 21, 2018
Property Address	1820 MILL ST, CLAY, MI 48001-4517
Document Number	0050190176
Book / Page	005019 / 000176
Instrument Date	Oct 29, 2018
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1820 MILL ST CLAY MI 480014517, CLAY, MI 48001-4517

Tax Assessment & Valuation

The 2025 property tax bill for 1820 Mill St was $3,937 with a homeowner's exemption, up 2.3% 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		$142,200 (+7.56%)	$284,400
2025	$3,937.00 (+2.29%) Homeowner's exemption	$132,200
2024	$3,849.00		$264,400
2023		$106,800
2022	$2,234.00		$213,600

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 1820 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 1820 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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