2978 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 2978 Fruit St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 845 sqft
Lot Size	0.184 acres (8,015 sqft)
Owner	Individual Name on Record
Last Sale	$121,000 (Jan 2022)
Tax Bill	$2,009 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-541-0146-001`

Property Details

APN / Parcel Number

Primary APN	`74-14-541-0146-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	845 sqft Living Area
1st Floor Area	845 sqft

Exterior

Lot Area	8,015 sqft (0.184 acres)
Lot Dimensions	123 ft deep x 65 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	2978 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	E'LY 65' OF THE S'LY 123' OF THE W'LY 125' OF LOT 1321 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 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	2978 FRUIT ST, CLAY, MI 48001-4611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jul 2, 2020	Deed of Trust, Mortgage MORTGAGE CTR
Jan 19, 2018	Warranty Deed, Transfer · FHA Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2022 · Amount on Record
Deed Sale	Jan 24, 2022 · Amount on Record
Prior Sale	Jan 19, 2018 · Amount on Record
Deed Document Number	20221761
Deed Book / Page	5478 / 153
Prior Transfer Date	Oct 20, 2016
Prior Transfer Doc	004763/641
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 24, 2022
Property Address	2978 FRUIT ST, CLAY, MI 48001-4611
Document Number	0005478153
Book / Page	5478 / 153
Map Reference	LB 50 PG 30
Instrument Date	Jan 5, 2022
Instrument	2022001761
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$907.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2978 FRUIT ST, CLAY, MI 48001-4611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7483 RIVER RD, COTTRELLVILLE, MI 48039-2831
Investor	Possibly a Property Investor

Mortgage

Document Number	2022001762
Date	Jan 24, 2022
Instrument	2022001762

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2978 FRUIT ST, CLAY, MI 48001-4611
Document Number	0052100856
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39040 PARKWAY CIR HARRISON TOWNSHIP MI 480456807, HARRISON TOWNSHIP, MI 48045-6807

Mortgage

Document Number	0052100856
Date	Jul 10, 2020
Book Page	005210/000856

Lender

Name	MORTGAGE CTR
Type	Mortgage Company
Address	LATHRUP VILLAGE, MI 48076

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 19, 2018
Property Address	2978 FRUIT ST, CLAY, MI 48001-4611
Document Number	0049090140
Book / Page	004909 / 000140
Instrument Date	Dec 22, 2017
Transaction Type	Transfer
Record Updated	Feb 5, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$576.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7179 MCDONALD ST HARSENS ISLAND MI 480289661, HARSENS ISLAND, MI 48028-9661

Mortgage

Document Number	49090142
Date	Jan 19, 2018
Book Page	004909/000142

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2048

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		$61,300 (+5.69%)	$122,600 (+5.69%)
2025	$2,009.00 (+2.19%) Homeowner's exemption	$58,000 (+11.32%)
2024	$1,966.00 (+78.89%)		$116,000 (+11.32%)
2023		$52,100
2022	$1,099.00		$104,200

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.

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