3079 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 3079 Fruit St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,706 sqft · built 2016
Lot Size	0.305 acres (13,286 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Oct 2020)
Tax Bill	$4,985 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-442-0048-080`

Property Details

APN / Parcel Number

Primary APN	`74-14-442-0048-080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,706 sqft Living Area
1st Floor Area	1,706 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	13,286 sqft (0.305 acres)
Lot Depth	130 ft Depth
Garage Area	466 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3079 FRUIT ST
City	CLAY
State	MI
Zip	48001-4777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PART OF LOT 232 DESC AS: BEG N 0D 16M 0S E 1602.73' & N 88D 6M 27S E 242.39' FROM SW COR LOT 232, TH N 0D 16M 0S E 130.09',
Legal Subdivision	SUPRVRS ROY T GILBERTS 2-CLAY
Legal Lot Number	232
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3013
Census Tract	646000

Owner

3079 Fruit St is owned and occupied by an individual who bought it in October 2020.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	3079 FRUIT ST, CLAY, MI 48001-4777
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Nov 2, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Sep 21, 2020	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CENTER LLC
Oct 27, 2020	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Aug 11, 2017	Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK
Aug 11, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2020 · Amount on File
Deed Sale	Oct 27, 2020 · Amount on File
Prior Sale	Aug 11, 2017 · Amount on File
Deed Document Number	202026758
Deed Book / Page	5262 / 519
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 3, 2026
Property Address	3079 FRUIT ST, CLAY, MI 48001-4777
Document Number	0005930165
Book / Page	5930 / 165
Instrument Date	Apr 10, 2026
Instrument	202611121
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3079 FRUIT ST, CLAY, MI 48001-4777

Mortgage

Document Number	0000011121,
Date	Jun 3, 2026
Book Page	5930/165
Instrument	202611121

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	304 Months
Due	Oct 1, 2051

Interest

Rate	6.11%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3079 FRUIT ST, CLAY, MI 48001-4777
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3079 FRUIT ST, CLAY, MI 48001-4777

Mortgage

Document Number	0005443892
Date	Nov 2, 2021
Book Page	5443/892
Instrument	2021030886

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3079 FRUIT ST, CLAY, MI 48001-4777
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3659 NORMAN RD, BURTCHVILLE, MI 48059-2238

Mortgage

Document Number	0052420143
Date	Sep 21, 2020
Book Page	5242/143
Instrument	2020022608

Lender

Name	MORTGAGE CENTER LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 27, 2020
Property Address	3079 FRUIT ST, CLAY, MI 48001-4777
Document Number	0005262519
Book / Page	5262 / 519
Map Reference	LB 48 PG 32
Instrument Date	Sep 10, 2020
Instrument	2020026758
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$1,837.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3079 FRUIT ST, 3079, CLAY, MI 48001-4777

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3079 FRUIT ST, CLAY, MI 48001-4777

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 11, 2017
Property Address	3079 FRUIT ST, CLAY, MI 48001-4777
Document Number	004857/659
Book / Page	4857 / 659
Map Reference	LB 48 PG 32
Instrument Date	Jul 17, 2017
Instrument	2017019374
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3079 FRUIT ST, 3079, CLAY, MI 48001-4777

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3079 FRUIT ST, CLAY, MI 48001-4777

Mortgage

Document Number	0048570661
Date	Aug 11, 2017
Book Page	4857/661
Instrument	2017019375

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 11, 2017
Property Address	3079 FRUIT ST, CLAY, MI 48001-4777
Document Number	0048570658
Book / Page	004857 / 000658
Instrument Date	Feb 19, 2016
Transaction Type	Transfer
Record Updated	Sep 14, 2017

Transaction

Amount	Amount on Record
Tax	$2,465.00
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	934 SUMMER ST ALGONAC MI 480011244, ALGONAC, MI 48001-1244

Tax Assessment & Valuation

The 2025 property tax bill for 3079 Fruit St was $4,985 with a homeowner's exemption, up 2.3% from the year before.

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		$183,600 (+14.39%)	$367,200
2025	$4,985.00 (+2.3%) Homeowner's exemption	$160,500
2024	$4,873.00		$321,000
2023		$145,200
2022	$4,479.00		$290,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3079 Fruit St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1985.

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

Wildfire risk around 3079 Fruit St is low, with a 0.01% annual chance of 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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