1885 Mill St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 1885 Mill St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,827 sqft
Lot Size	2.01 acres (87,556 sqft)
Owner	Individual Name on Record
Last Sale	$222,000 (Aug 2019)
Tax Bill	$4,146 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-469-0016-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-469-0016-000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,827 sqft Living Area
1st Floor Area	1,044 sqft
Basement Area	1,044 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	87,556 sqft (2.01 acres)
Lot Dimensions	500 ft deep x 175 ft wide
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1885 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	W 175 FT OF E 196.7 FT OF LOT 748 SUP ROY T GILBERTS PLAT NO 8 SEC 3 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	03
Legal Subdivision	SUPERVISORS ROY T GILBERTS PLAT #8
Legal Lot Number	748
Legal Unit	748
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	1885 MILL ST, CLAY, MI 48001-4518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Dec 28, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jul 2, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Aug 15, 2019	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2019 · Amount on Record
Deed Sale	Aug 15, 2019 · Amount on Record
Deed Document Number	201916776
Deed Book / Page	5086 / 796
Prior Transfer Date	Jun 30, 2009
Prior Transfer Doc	003968/304
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 2, 2026
Property Address	1885 MILL ST, CLAY, MI 48001-4518
Document Number	0000013381
Book / Page	5939 / 628
Instrument Date	Jun 11, 2026
Instrument	202613381
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1885 MILL ST, CLAY, MI 48001-4518

Mortgage

Document Number	0000013381,
Date	Jul 2, 2026
Book Page	5939/628
Instrument	202613381

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	278 Months
Due	Sep 1, 2049

Interest

Rate	6.36%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1885 MILL ST, CLAY, MI 48001-4518
Transaction Type	Mortgage
Record Updated	Jan 16, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1885 MILL ST, CLAY, MI 48001-4518

Mortgage

Document Number	0005679887
Date	Dec 28, 2023
Book Page	5679/887
Instrument	2023022377

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Sep 1, 2049

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1885 MILL ST, CLAY, MI 48001-4518
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1885 MILL ST, CLAY, MI 48001-4518

Mortgage

Document Number	0005387974
Date	Jul 2, 2021
Book Page	5387/974
Instrument	2021019410

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Sep 1, 2049

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 15, 2019
Property Address	1885 MILL ST, CLAY, MI 48001-4518
Document Number	0050860796
Book / Page	005086 / 000796
Instrument Date	Aug 8, 2019
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,909.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 LOCKHAVEN LN ALGONAC MI 480011372, ALGONAC, MI 48001-1372

Mortgage

Document Number	50860797
Date	Aug 15, 2019
Book Page	005086/000797

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2049

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		$143,800 (+6.6%)	$287,600 (+6.6%)
2025	$4,146.00 (+2.29%) Homeowner's exemption	$134,900 (+13.84%)
2024	$4,053.00 (+8.72%)		$269,800 (+13.84%)
2023		$118,500
2022	$3,728.00		$237,000

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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