1843 Mill St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 1843 Mill St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,632 sqft
Lot Size	1.24 acres (54,232 sqft)
Owner	Individual Name on Record
Last Sale	$207,500 (May 2006)
Tax Bill	$2,797 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-469-0015-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-469-0015-000`

Interior

Full Baths	2 Baths
Building Area	1,632 sqft Living Area
1st Floor Area	1,632 sqft

Exterior

Lot Area	54,232 sqft (1.24 acres)
Lot Dimensions	507 ft deep x 107 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1843 MILL ST
City	CLAY
State	MI
Zip	48001-4518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	E 1/2 OF LOT 747 SUPERVISOR ROY T GILBERT'S PLAT NO. 8
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #8
Legal Lot Number	747
Legal Unit	747
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1843 MILL ST, CLAY, MI 48001-4518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Dec 9, 2020	Deed of Trust, Mortgage · Stand-Alone First Mortgage QUICKEN LOANS LLC
Mar 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2006 · Amount on Record
Deed Sale	May 2, 2006 · Amount on Record
Deed Document Number	20062005060227
Deed Book / Page	3547 / 282
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1843 MILL ST, CLAY, MI 48001-4518
Transaction Type	Mortgage
Record Updated	Nov 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1843 MILL ST, CLAY, MI 48001-4518

Mortgage

Document Number	5440596
Date	Oct 27, 2021
Book Page	5440/596
Instrument	2021030308

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1843 MILL ST, CLAY, MI 48001-4518
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1843 MILL ST, CLAY, MI 48001-4518

Mortgage

Document Number	0052850083
Date	Dec 9, 2020
Book Page	5285/83
Instrument	2020031094

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1843 MILL ST, CLAY, MI 48001-4518
Document Number	0051650647
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	Apr 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1843 MILL ST CLAY MI 480014518, CLAY, MI 48001-4518

Mortgage

Document Number	0051650647
Date	Mar 19, 2020
Book Page	005165/000647

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 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		$137,500 (+6.92%)	$275,000 (+6.92%)
2025	$2,797.00 (+2.23%) Homeowner's exemption	$128,600 (+17.77%)
2024	$2,736.00 (+8.53%)		$257,200 (+17.77%)
2023		$109,200
2022	$2,521.00		$218,400

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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