3099 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 3099 Fruit St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,868 sqft · built 2017
Lot Size	0.305 acres (13,286 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Oct 2025)
Tax Bill	$4,774 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-442-0048-070`

Property Details

APN / Parcel Number

Primary APN	`74-14-442-0048-070`

Interior

Full Baths	1 Bath
Building Area	1,868 sqft Living Area
1st Floor Area	1,868 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	13,286 sqft (0.305 acres)
Lot Depth	130 ft Depth
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3099 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' & TH N 88D 6M 27S E 140' 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

3099 Fruit St is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	3099 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
Mar 18, 2022	Deed of Trust, Mortgage · Line of Credit GENISYS CU
Oct 27, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 5, 2018	Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORP
Apr 5, 2018	Warranty Deed, Transfer LIGHTHOUSE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2025 · Amount on File
Deed Sale	Oct 27, 2025 · Amount on File
Prior Sale	Apr 5, 2018 · Amount on File
Deed Document Number	202520578
Deed Book / Page	5865 / 311
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3099 FRUIT ST, CLAY, MI 48001-4777
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3099 FRUIT ST, CLAY, MI 48001-4777

Mortgage

Document Number	0005499761
Date	Mar 18, 2022
Book Page	5499/761
Instrument	2022006513

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Feb 24, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 27, 2025
Property Address	3099 FRUIT ST, CLAY, MI 48001-4777
Document Number	0005865311
Book / Page	5865 / 311
Map Reference	LB 48 PG 32
Instrument Date	Oct 9, 2025
Instrument	2025020578
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	STERLING TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3099 FRUIT ST, CLAY, MI 48001-4777

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 CHERRY ST, GLEN HEAD, NY 11545-1805

Mortgage

Document Number	2025020579
Date	Oct 27, 2025
Instrument	2025020579

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 5, 2018
Property Address	3099 FRUIT ST, CLAY, MI 48001-4777
Document Number	0004931603
Book / Page	4931 / 603
Map Reference	LB 48 PG 32
Instrument Date	Mar 8, 2018
Instrument	2018007026
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	BELL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3099 FRUIT ST, CLAY, MI 48001-4777

Mortgage

Document Number	2018007027
Date	Apr 5, 2018
Instrument	2018007027

Lender

Name	HOME POINT FINANCIAL CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 5, 2018
Property Address	3099 FRUIT ST, CLAY, MI 48001-4777
Document Number	0049310601
Book / Page	004931 / 000601
Instrument Date	Feb 19, 2018
Transaction Type	Transfer
Record Updated	Apr 24, 2018
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount on Record
Tax	$246.53
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 3099 Fruit St was $4,774 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		$190,700 (+14.88%)	$381,400
2025	$4,774.00 (+2.29%) Homeowner's exemption	$166,000
2024	$4,667.00		$332,000
2023		$150,300
2022	$4,290.00		$300,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3099 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 3099 Fruit St is low, with less than 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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 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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