2979 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 2979 Fruit St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,361 sqft
Lot Size	0.861 acres (37,505 sqft)
Owner	Individual Name on Record
Last Sale	$107,000 (Feb 2014)
Tax Bill	$3,933 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-442-0058-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-442-0058-000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,361 sqft Living Area
1st Floor Area	1,349 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	37,505 sqft (0.861 acres)
Lot Dimensions	250 ft deep x 150 ft wide
Garage Area	1,756 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2979 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	W 150 FT OF LOT 237 SUPERVISOR ROY T GILBERTS PLAT NO 2 ACCORDING TO THE PLAT RECORDED IN LIBER 48 OF PLATS PG 32-35 ST CLAIR
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

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	2979 FRUIT ST, CLAY, MI 48001-4612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Deed of Trust, Mortgage QUICKEN LOANS LLC
Dec 10, 2021	Deed of Trust, Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2014 · Amount on Record
Deed Sale	Feb 10, 2014 · Amount on Record
Prior Sale	Jul 23, 2012 · Amount on Record
Deed Document Number	20142482
Deed Book / Page	4480 / 474
Last Transfer Date	Feb 4, 2025
Transfer Doc	0005786817
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2979 FRUIT ST, CLAY, MI 48001-4612
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2979 FRUIT ST, CLAY, MI 48001-4612

Mortgage

Document Number	0005381203
Date	Jun 18, 2021
Book Page	5381/203
Instrument	2021017980

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2979 FRUIT ST, CLAY, MI 48001-4612
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	JBN TITLE, JB TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2979 FRUIT ST, CLAY, MI 48001-4612

Mortgage

Document Number	0005461570
Date	Dec 10, 2021
Book Page	5461/570
Instrument	2021034617

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

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		$219,500 (+14.32%)	$439,000 (+14.32%)
2025	$3,933.00 (+2.29%) Homeowner's exemption	$192,000 (+10.6%)
2024	$3,845.00 (+8.71%)		$384,000 (+10.6%)
2023		$173,600
2022	$3,537.00		$347,200

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	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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