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3480 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 3480 Fruit St, Clay, MI 48001

Property Summary

Property TypeCommercial Vacant Land
Lot Size31.8 acres (1,387,386 sqft)
OwnerCompany Name on Record
Last Sale$705,000 (Mar 2021)
Tax Bill$4,694 (2025)
Deeds & MortgagesMar 2023 Line of Credit
Mar 2021 Sale
Flood ZoneZone X (minimal risk)
APN74-14-541-0116-200

Property Details

APN / Parcel Number

Primary APN74-14-541-0116-200

Exterior

Lot Area1,387,386 sqft (31.8 acres)
Lot Dimensions18,057 ft deep x 77 ft wide

Location & Zoning

Street Address3480 FRUIT ST
CityCLAY
StateMI
Zip48001-4822
Property CategoryCommercial
Property TypeVacant Land > Commercial
Local Zoning CodeI-1
Legal DescriptionTHAT PART OF LOTS 1309 & 1310 BEG N 89D 6M E 1425.86' & N 0D 43M E 650.01' FROM SW COR SEC 4, TH N 0D 43M E 669.92', TH N 88D
Legal Range16E
Legal Township02N
Legal Section04
Legal SubdivisionSUPERVISOR ROY T GILBERTS PLAT #17
Legal Lot Number1309
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 RecordCompany Name on Record
Mailing Address3480 FRUIT ST, CLAY, MI 48001-4822
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 17, 2021 · Amount on Record
Deed SaleMar 17, 2021 · Amount on Record
Prior SaleNov 15, 2007 · Amount on Record
Deed Document Number20217743
Deed Book / Page5335 / 743
Prior Transfer DateJan 5, 2011
Prior Transfer Doc004111/305
Record UpdatedOct 29, 2026

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAINT CLAIR MI
Property Address3480 FRUIT ST, CLAY, MI 48001-4822
Transaction TypeMortgage
Record UpdatedApr 6, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000560789
DateMar 22, 2023
Book Page5607/89
Instrument2023004585
Lender
NameTIMOTHY M OSBURN
TypePrivate Party
Address46511 BETTYHILL, PLYMOUTH, MI 48170
Agreement
TypeLine of Credit
AmountAmount Recorded

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAINT CLAIR MI
Recording DateMar 17, 2021
Property Address3480 FRUIT ST, CLAY, MI 48001-4822
Document Number0005335743
Book / Page5335 / 743
Map ReferenceLB 50 PG 30-32
Instrument DateJan 11, 2021
Instrument2021007743
Transaction TypeTransfer
Record UpdatedSep 13, 2022
Title CompanyATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transaction

AmountAmount Recorded
Tax$5,287.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address9034 FIELD RD, 9034, CLAY, MI 48001-4401

Transferred To (Grantee/Buyer)

NameVerified Name
Address3480 FRUIT ST, CLAY, MI 48001-4822

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$96,800 (-)$193,600 (-)
2025$4,694.00 (+2.65%)$96,800 (+9.13%)
2024$4,573.00 (+15.89%)$193,600 (+9.13%)
2023$88,700
2022$3,946.00$177,400

Assessed value is set for property tax purposes, not a market price estimate; it is 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
minimal risk
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 93% of the US · lower than 83% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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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