2975 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 2975 Fruit St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 884 sqft
Lot Size	0.551 acres (24,002 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Sep 2017)
Tax Bill	$1,783 (2025)
Deeds & Mortgages	May 2023 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-442-0057-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-442-0057-000`

Interior

Full Baths	1 Bath
Building Area	884 sqft Living Area
1st Floor Area	884 sqft

Exterior

Lot Area	24,002 sqft (0.551 acres)
Lot Dimensions	240 ft deep x 100 ft wide
Garage Area	924 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	2975 FRUIT ST
City	CLAY
State	MI
Zip	48001-4612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	E 100' OF W 250' OF LOT 237 SUP ROY T GILBERTS PLAT NO 2
Legal Range	16E
Legal Township	02N
Legal Section	08
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #2
Legal Lot Number	237
Legal Unit	237
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3013
Census Tract	646000

Owner

2975 Fruit St is owned and occupied by an individual who bought it in September 2017.

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

Owner of Record	Individual Name on File
Mailing Address	2975 FRUIT ST, CLAY, MI 48001-4612
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 3, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 6, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Sep 6, 2017	Warranty Deed, Transfer OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2017 · Amount on File
Deed Sale	Sep 6, 2017 · Amount on File
Prior Sale	Sep 6, 2017 · Amount on File
Deed Document Number	201721300
Prior Transfer Date	Dec 2, 2008
Prior Transfer Doc	003903/009
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2975 FRUIT ST, CLAY, MI 48001-4612
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2975 ST CLAY TOWNSHIP, ALGONAC, MI 48001

Mortgage

Document Number	0005618435
Date	May 3, 2023
Book Page	5618/435
Instrument	2023008007

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 18, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2975 FRUIT ST, CLAY, MI 48001-4612
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2975 FRUIT ST, CLAY, MI 48001-4612

Mortgage

Document Number	0000534423
Date	Mar 31, 2021
Book Page	5344/23
Instrument	2021009377

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 6, 2017
Property Address	2975 FRUIT ST, CLAY, MI 48001-4612
Document Number	0048650908
Book / Page	004865 / 000908
Instrument Date	Aug 16, 2017
Transaction Type	Transfer
Record Updated	Oct 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$473.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2975 FRUIT ST CLAY MI 480014612, CLAY, MI 48001-4612

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 6, 2017
Property Address	2975 FRUIT ST, CLAY, MI 48001-4612
Document Number	0048650909
Book / Page	004865 / 000909
Instrument Date	Aug 16, 2017
Transaction Type	Transfer
Record Updated	Aug 25, 2018
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2975 FMIT RD ALGONAC MI 48001, ALGONAC, MI 48001

Mortgage

Document Number	48600390
Date	Sep 6, 2017
Book Page	004860/000390

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	STERLING HEIGHTS, MI 48314

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2975 Fruit St was $1,783 with a homeowner's exemption, up 2.2% from the year before.

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		$71,200 (+12.13%)	$142,400
2025	$1,783.00 (+2.18%) Homeowner's exemption	$63,500
2024	$1,745.00		$127,000
2023		$55,000
2022	$1,613.00		$110,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2975 Fruit St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1985.

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

Wildfire risk around 2975 Fruit St is low, with a 0.01% annual chance of 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	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

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 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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