St. Clair County property record for 3040 Fruit St, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,244 sqft |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $274,275 (Dec 2019) |
| Tax Bill | $5,491 (2025) |
| Deeds & Mortgages | Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-541-0141-000 |
| Primary APN | 74-14-541-0141-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,244 sqft Living Area |
| 1st Floor Area | 1,496 sqft |
| Lot Area | 43,560 sqft (1 acres) |
|---|---|
| Lot Dimensions | 435 ft deep x 100 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3040 FRUIT ST |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | W 100 FT OF E 400 FT OF S 435.6 FT OF LOT 1319 SUP ROY T GILBERTS PLAT NO 17 SEC 4 T2N R16E |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 04 |
| Legal Subdivision | SUPERVISORS ROY T GILBERTS PLAT #17 |
| Legal Lot Number | 1319 |
| Legal Unit | 1319 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 646000 |
Source: St. Clair County records, as of September 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3040 FRUIT ST, CLAY, MI 48001-4802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2019 · Amount on File |
| Deed Sale | Dec 17, 2019 · Amount on File |
| Prior Sale | Sep 22, 2014 · Amount on File |
| Deed Document Number | 201926619 |
| Deed Book / Page | 5132 / 320 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Dec 17, 2019 |
| Property Address | 3040 FRUIT ST, CLAY, MI 48001-4802 |
| Document Number | 0005132320 |
| Book / Page | 5132 / 320 |
| Map Reference | LB 50 PG 30 |
| Instrument Date | Dec 6, 2019 |
| Instrument | 2019026619 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | PREMIER TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,360.70 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3040 FRUIT ST, CLAY, MI 48001-4802 |
| Document Number | 2019026620 |
|---|---|
| Date | Dec 17, 2019 |
| Instrument | 2019026620 |
| Name | MORTGAGE ONE FINANCIAL CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $211,500 (+17.24%) | $423,000 (+17.24%) | |
| 2025 | $5,491.00 (+2.33%) Homeowner's exemption | $180,400 (+9.93%) | |
| 2024 | $5,366.00 (+8.82%) | $360,800 (+9.93%) | |
| 2023 | $164,100 | ||
| 2022 | $4,931.00 | $328,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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