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3202 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 3202 Fruit St, Clay, MI 48001

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,206 sqft · built 2015
Lot Size1.4 acres (61,245 sqft)
OwnerIndividual Name on Record
Last Sale$515,000 (May 2026)
Tax Bill$3,409 (2025)
Deeds & MortgagesMay 2026 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN74-14-541-0139-000

Property Details

APN / Parcel Number

Primary APN74-14-541-0139-000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area2,206 sqft Living Area
1st Floor Area1,471 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Lot Area61,245 sqft (1.4 acres)
Lot Dimensions612 ft deep x 100 ft wide
Garage Area864 sqft
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address3202 FRUIT ST
CityCLAY
StateMI
Zip48001-4814
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1
Legal DescriptionE 100 FT OF W 635 FT OF LOT 1319 SUP ROY T GILBERTS PLAT NO 17 SEC 4 T2N R16E
Legal Range16E
Legal Township02N
Legal Section04
Legal SubdivisionSUPERVISOR ROY T GILBERTS PLAT #17
Legal Lot Number1319
Legal Unit1319
JurisdictionSAINT CLAIR MI
Township / Civil DivisionCLAY
Census Block Group3
Census Block3008
Census Tract646000

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 RecordIndividual Name on Record
Mailing Address50685 REDWOOD DR, NEW BALTIMORE, MI 48047-2635
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 18, 2026 · Amount on Record
Deed SaleMay 18, 2026 · Amount on Record
Deed Document Number202610036
Deed Book / Page5925 / 235
Prior Transfer DateMay 9, 2007
Prior Transfer Doc003718/495
Record UpdatedOct 29, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAINT CLAIR MI
Recording DateMay 18, 2026
Property Address3202 FRUIT ST, CLAY, MI 48001-4814
Document Number0000010036
Book / Page5925 / 235
Instrument DateMay 12, 2026
Instrument202610036
Transaction TypeTransfer
Record UpdatedJun 4, 2026
Title CompanyMADISON TITLE AGENCY LLC, EDISON TITLE AGENCY LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$390,112.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000010153,
DateMay 18, 2026
Book Page5925/886
Instrument202610153
Lender
NameEVERETT FINANCIAL INC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2056
Interest
Rate6.46%
Max Rate-1%

Mortgage

Document Number0005925903,
DateMay 19, 2026
Book Page5925/903
Instrument202610154
Lender
NameEVERETT FINANCIAL INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term10 Months
DueJun 1, 2036
Interest
Rate6.46%
Max Rate-1%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountySt. Clair County
County SubdivisionClay Township
Unified School DistrictAlgonac Community School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$214,800 (+14.8%)$429,600 (+14.8%)
2025$3,409.00 (+2.25%) Homeowner's exemption$187,100 (+10.12%)
2024$3,334.00 (+8.63%)$374,200 (+10.12%)
2023$169,900
2022$3,069.00$339,800

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

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims12 (1985–1995)
Claims Outside the SFHA10 of 12
Most Recent ClaimAug 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 RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemCLAY TOWNSHIP
serves 9,866 people · EPA ID MI0001450
Water SourcePurchased surface water from CITY OF ALGONAC
Last State InspectionMay 2021
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 79 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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