1875 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 1875 Fruit St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Lot Size	0.387 acres (16,887 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Apr 2024)
Tax Bill	$3,932 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`74-01-107-0050-001`

Property Details

APN / Parcel Number

Primary APN	`74-01-107-0050-001`

Exterior

Lot Area	16,887 sqft (0.387 acres)

Location & Zoning

Street Address	1875 FRUIT ST
City	CLAY
State	MI
Zip	48001-4545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF LOT 50 DESC AS: BEG AT NE COR LOT 49, TH S 28D 32M 14S W 250', TH N 64D 47M 01S W 48.99', TH N 13D 47M 30S E 185.43',
Legal Subdivision	ASSESSORS
Legal Lot Number	49-50
Legal Unit	50,49
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3002
Census Tract	649000

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	1875 FRUIT ST, CLAY, MI 48001-4545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2024 · Amount on Record
Deed Sale	Apr 10, 2024 · Amount on Record
Deed Document Number	20246423
Deed Book / Page	5704 / 786
Prior Transfer Date	Mar 9, 2012
Prior Transfer Doc	004233/672
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 10, 2024
Property Address	1875 FRUIT ST, CLAY, MI 48001-4545
Document Number	0005704786
Book / Page	5704 / 786
Map Reference	LB 49 OF PLS PG 8
Instrument Date	Mar 26, 2024
Instrument	2024006423
Transaction Type	Transfer
Record Updated	May 6, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,342.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1875 FRUIT ST, CLAY, MI 48001-4545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51240 VILLAGE EDGE E APT 101, 101, CHESTERFIELD, MI 48047-3573

Mortgage

Document Number	2024006426
Date	Apr 10, 2024
Instrument	2024006426

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

Mortgage

Document Number	0005704789
Date	Apr 10, 2024
Book Page	5704/789
Instrument	2024006424

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	8241 DOW CIR, STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Algonac City
County	St. Clair County
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$98,200 (+2.83%)	$196,400 (+2.83%)
2025	$3,932.00 (+113.58%) Homeowner's exemption	$95,500 (+14.92%)
2024	$1,841.00 (+13.78%)		$191,000 (+14.92%)
2023		$83,100
2022	$1,618.00		$166,200

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Aug 2000 · rainfall accumulation

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	None beyond ember reach

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 290 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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