St. Clair County property record for 2918 Fruit St, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,010 sqft |
| Lot Size | 1.05 acres (45,869 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $103,000 (Oct 2007) |
| Tax Bill | $2,698 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-541-0143-000 |
| Primary APN | 74-14-541-0143-000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 2,010 sqft Living Area |
| 1st Floor Area | 2,010 sqft |
| Lot Area | 45,869 sqft (1.05 acres) |
|---|---|
| Lot Dimensions | 323 ft deep x 142 ft wide |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 2918 FRUIT ST |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 1321 EXC W 200 FT & EXC E 25 FT. SUPERVISOR ROY T GILBERT'S PLAT NO. 17 |
| Legal Subdivision | SUPERVISOR ROY T GILBERTS PLAT #17 |
| Legal Lot Number | 1321 |
| Legal Unit | 1321 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 646000 |
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 | 2918 FRUIT ST, CLAY, MI 48001-4611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 12, 2007 · Amount on Record |
| Deed Sale | Oct 12, 2007 · Amount on Record |
| Deed Document Number | 200727998 |
| Deed Book / Page | 3774 / 402 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 2918 FRUIT ST, CLAY, MI 48001-4611 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2918 FRUIT ST, CLAY, MI 48001-4611 |
| Document Number | 0005902109 |
|---|---|
| Date | Mar 3, 2026 |
| Book Page | 5902/109 |
| Instrument | 2026003973 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | 6561 IRVINE CENTER DR, IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.6% |
| Index | Other |
| Max Rate | 10.6% |
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $150,700 (+11.46%) | $301,400 (+11.46%) | |
| 2025 | $2,698.00 (+2.2%) Homeowner's exemption | $135,200 (+10.55%) | |
| 2024 | $2,640.00 (+8.51%) | $270,400 (+10.55%) | |
| 2023 | $122,300 | ||
| 2022 | $2,433.00 | $244,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLAY TOWNSHIP serves 9,866 people · EPA ID MI0001450 |
|---|---|
| Water Source | Purchased surface water from CITY OF ALGONAC |
| Last State Inspection | May 2021 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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