St. Clair County property record for 3096 Fruit St, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 960 sqft · built 1956 |
| Lot Size | 1.64 acres (71,656 sqft) |
| Owner | Individual Name on File |
| Last Sale | $71,000 (Sep 2014) |
| Tax Bill | $2,191 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-541-0140-000 |
| Primary APN | 74-14-541-0140-000 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 672 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Lot Area | 71,656 sqft (1.64 acres) |
| Lot Dimensions | 612 ft deep x 117 ft wide |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3096 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 | LOT 1319 EXC W 635 FT & EXC E 600 FT 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 GILBERT 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 | 3096 FRUIT ST, CLAY, MI 48001-4802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2014 · Amount on File |
| Deed Sale | Sep 2, 2014 · Amount on File |
| Prior Sale | Sep 25, 2013 · Amount on File |
| Deed Document Number | 201419284 |
| Deed Book / Page | 4533 / 369 |
| Prior Transfer Date | Sep 19, 2013 |
| Prior Transfer Doc | 004445/406 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 3096 FRUIT ST, CLAY, MI 48001-4802 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3096 FRUIT ST, CLAY, MI 48001-4802 |
| Document Number | 0005492797 |
|---|---|
| Date | Mar 1, 2022 |
| Book Page | 5492/797 |
| Instrument | 2022004925 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
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 | $102,300 (+11.93%) | $204,600 (+11.93%) | |
| 2025 | $2,191.00 (+2.19%) Homeowner's exemption | $91,400 (+12.01%) | |
| 2024 | $2,144.00 (+8.34%) | $182,800 (+12.01%) | |
| 2023 | $81,600 | ||
| 2022 | $1,979.00 | $163,200 |
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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