2440 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 2440 Fruit St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,320 sqft · built 1964
Lot Size	1.89 acres (82,328 sqft)
Owner	Individual Name on Record
Tax Bill	$1,916 (2025)
Deeds & Mortgages	Aug 2022 Transfer Aug 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-541-0172-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-541-0172-000`

Interior

Full Baths	1 Bath
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Lot Area	82,328 sqft (1.89 acres)
Lot Dimensions	600 ft deep x 137 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2440 FRUIT ST
City	CLAY
State	MI
Zip	48001-4609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	E 137.20' OF S 600' OF LOT 1331 SUP ROY T GILBERTS PLAT NO 17 SEC 4 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	04
Legal Subdivision	SUPRVRS ROY T GILBERTS 17-CLAY
Legal Lot Number	1331
Legal Unit	1331
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3010
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	2440 FRUIT ST, CLAY, MI 48001-4609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Intrafamily Transfer, Transfer
Aug 18, 2022	Intrafamily Transfer, Transfer
Jun 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 20, 2021
Transfer Doc	0005553343
Record Updated	Oct 29, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 18, 2022
Property Address	2440 FRUIT ST, CLAY, MI 48001-4609
Document Number	0005553356
Book / Page	5553 / 356
Instrument Date	Jul 20, 2022
Instrument	2022019504
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2440 FRUIT ST, 2440, CLAY, MI 48001-4609

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2440 FRUIT ST, CLAY, MI 48001-4609

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 18, 2022
Property Address	2440 FRUIT ST, CLAY, MI 48001-4609
Document Number	0005553343
Book / Page	5553 / 343
Instrument Date	Jul 20, 2021
Instrument	2022019503
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2440 FRUIT ST, 2440, CLAY, MI 48001-4609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2440 FRUIT ST, CLAY, MI 48001-4609

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 5, 2017
Property Address	2440 FRUIT ST, CLAY, MI 48001-4609
Document Number	0048370240
Book / Page	004837 / 000240
Instrument Date	May 30, 2017
Transaction Type	Transfer
Record Updated	Jul 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2440 FRUIT ST CLAY MI 480014609, CLAY, MI 48001-4609

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		$101,000 (+12.72%)	$202,000 (+12.72%)
2025	$1,916.00 (+2.19%) Homeowner's exemption	$89,600 (+11.58%)
2024	$1,875.00 (+8.26%)		$179,200 (+11.58%)
2023		$80,300
2022	$1,732.00		$160,600

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	12 (1985–1995)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Aug 1995 · river or lake flooding

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 151 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, Verizon.

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