3406 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 3406 Fruit St, Clay, MI 48001

Property Summary

Property Type	Residential Vacant Land
Lot Size	4.14 acres (180,338 sqft)
Owner	Company Name on File
Last Sale	$705,000 (Mar 2021)
Tax Bill	$2,592 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Mar 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-541-0116-101`

Property Details

APN / Parcel Number

Primary APN	`74-14-541-0116-101`

Interior

Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	180,338 sqft (4.14 acres)
Lot Dimensions	140 ft deep x 172 ft wide

Location & Zoning

Street Address	3406 FRUIT ST
City	CLAY
State	MI
Zip	48001-4822
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R-1
Legal Description	PART OF LOT 1319 DESC AS: BEG N 89D 06M 00S E 1425.86' & N 00D 43M 00S E 40.38' FROM SW COR OF SECT 4, TH N 00D 43M 00S E
Legal Subdivision	SUPERVISORS ROYT GILBERTS PLAT NO 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

Owner

3406 Fruit St, residential vacant land, is owned by a company that bought it in March 2021.

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

Owner of Record	Company Name on File
Mailing Address	3480 FRUIT ST, CLAY, MI 48001-4822
Owner Type	Company
Vesting	Company

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 22, 2023	Deed of Trust, Mortgage · Line of Credit TIMOTHY M OSBURN
Mar 17, 2021	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP
Mar 17, 2021	Warranty Deed, Transfer DEVON TITLE COMPANY, DEVON TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2021 · Amount on File
Deed Sale	Mar 17, 2021 · Amount on File
Prior Sale	Mar 17, 2021 · Amount on File
Deed Document Number	20217743
Deed Book / Page	5335 / 743
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3406 FRUIT ST, CLAY, MI 48001-4822
Transaction Type	Mortgage
Record Updated	Apr 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000560789
Date	Mar 22, 2023
Book Page	5607/89
Instrument	2023004585

Lender

Name	TIMOTHY M OSBURN
Type	Private Party
Address	46511 BETTYHILL, PLYMOUTH, MI 48170

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 17, 2021
Property Address	3406 FRUIT ST, CLAY, MI 48001-4822
Document Number	0005335743
Book / Page	5335 / 743
Map Reference	LB 50 PG 30-32
Instrument Date	Jan 11, 2021
Instrument	2021007743
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount on Record
Tax	$5,287.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9034 FIELD RD, 9034, CLAY, MI 48001-4401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3480 FRUIT ST, CLAY, MI 48001-4822

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 17, 2021
Property Address	3406 FRUIT ST, CLAY, MI 48001-4822
Document Number	0005335741
Book / Page	5335 / 741
Instrument Date	Jan 15, 2016
Instrument	2021007742
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$322.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9181 FIELD RD, 9181, CLAY, MI 48001-4445

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9034 FIELD RD, CLAY, MI 48001-4401

Tax Assessment & Valuation

The 2025 property tax bill for 3406 Fruit St was $2,592, up 2.6% 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		$73,800 (+3.65%)	$147,600
2025	$2,592.00 (+2.61%)	$71,200
2024	$2,526.00		$142,400
2023		$45,300
2022	$2,291.00		$90,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3406 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 3406 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 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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