2976 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 2976 Fruit St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,141 sqft · built 1962
Lot Size	1.27 acres (55,539 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Jul 2020)
Tax Bill	$1,296 (2025)
Deeds & Mortgages	Feb 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`74-14-541-0146-010`

Property Details

APN / Parcel Number

Primary APN	`74-14-541-0146-010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,141 sqft Living Area
1st Floor Area	1,141 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	55,539 sqft (1.27 acres)
Lot Dimensions	254 ft deep x 60 ft wide
Garage Area	463 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2976 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	W'LY 125' OF LOT 1321 EXC E'LY 65' OF THE S'LY 123' THEREOF ROY T GILBERT'S PLAT NO. 17 SPLIT ON 09/08/2006 FROM 14-541-0146-000;
Legal Range	16E
Legal Township	02N
Legal Section	04
Legal Subdivision	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

Owner

Source: St. Clair County records, as of December 23, 2025

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	2976 FRUIT ST, CLAY, MI 48001-4611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2020 · Amount on Record
Deed Sale	Jul 15, 2020 · Amount on Record
Prior Sale	Oct 27, 2016 · Amount on Record
Deed Document Number	202016013
Deed Book / Page	5212 / 260
Prior Transfer Date	Aug 24, 2008
Prior Transfer Doc	003871/865
Record Updated	Jun 8, 2026

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 24, 2017
Property Address	2976 FRUIT ST, CLAY, MI 48001-4611
Document Number	0048030519
Book / Page	004803 / 000519
Instrument Date	Feb 14, 2017
Transaction Type	Transfer
Record Updated	Apr 4, 2017
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$313.90
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2001 SPRING RD #700 HINSDALE IL 605231890, 700, HINSDALE, IL 60523-1890

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

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
2025	$1,296.00 (-44.21%) Homeowner's exemption	$86,800 (+34.16%)
2024	$2,323.00 (+8.4%)		$173,600 (+34.16%)
2023		$64,700
2022	$2,143.00		$129,400

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 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	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.

Nearby Properties on Fruit St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures