2985 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 2985 Fruit St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,352 sqft · built 1991
Lot Size	1.51 acres (65,993 sqft)
Owner	Individual Name on Record
Last Sale	$137,650 (Feb 2018)
Tax Bill	$4,055 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-442-0054-500`

Property Details

APN / Parcel Number

Primary APN	`74-14-442-0054-500`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,352 sqft Living Area
1st Floor Area	1,632 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	65,993 sqft (1.51 acres)
Lot Dimensions	375 ft deep x 175 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2985 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	N 375' OF LOT 236 EXC E 40' SUPERVISOR ROY T GILBERT'S PLAT NO 2
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #2
Legal Lot Number	236
Legal Unit	236
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	2985 FRUIT ST, CLAY, MI 48001-4612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jan 5, 2022	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 13, 2018	Warranty Deed, Transfer · VA Mortgage MONEY SOURCE (NY) INC
Jan 18, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2018 · Amount on Record
Deed Sale	Feb 13, 2018 · Amount on Record
Prior Sale	Sep 9, 2013 · Amount on Record
Deed Document Number	20183364
Prior Transfer Date	Nov 1, 2012
Prior Transfer Doc	004321/344
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2985 FRUIT ST, CLAY, MI 48001-4612
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	MADISON SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2985 FRUIT ST, CLAY, MI 48001-4612

Mortgage

Document Number	0005403802
Date	Aug 5, 2021
Book Page	5403/802
Instrument	2021022560

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	May 1, 2051

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2985 FRUIT ST, CLAY, MI 48001-4612
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2985 FRUIT ST, CLAY, MI 48001-4612

Mortgage

Document Number	0000547252
Date	Jan 5, 2022
Book Page	5472/52
Instrument	2022000410

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 13, 2018
Property Address	2985 FRUIT ST, CLAY, MI 48001-4612
Document Number	0049170261
Book / Page	004917 / 000261
Instrument Date	Feb 1, 2018
Transaction Type	Transfer
Record Updated	Mar 1, 2018
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$1,183.79
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	2985 FRUIT ST CLAY MI 480014612, CLAY, MI 48001-4612

Mortgage

Document Number	49170263
Date	Feb 13, 2018
Book Page	004917/000263

Lender

Name	MONEY SOURCE (NY) INC
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2048

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 18, 2018
Property Address	2985 FRUIT ST, CLAY, MI 48001-4612
Document Number	0049080743
Book / Page	004908 / 000743
Instrument Date	Jan 18, 2018
Transaction Type	Transfer
Record Updated	Jan 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2985 FRUIT ST CLAY MI 480014612, CLAY, MI 48001-4612

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		$231,600 (+13.81%)	$463,200 (+13.81%)
2025	$4,055.00 (+2.3%) Homeowner's exemption	$203,500 (+10.9%)
2024	$3,964.00 (+8.72%)		$407,000 (+10.9%)
2023		$183,500
2022	$3,646.00		$367,000

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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