3523 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 3523 Fruit St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,888 sqft
Lot Size	0.861 acres (37,505 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (May 2006)
Tax Bill	$2,587 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-442-0040-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-442-0040-000`

Interior

Full Baths	1 Bath
Building Area	1,888 sqft Living Area
1st Floor Area	1,024 sqft

Exterior

Lot Area	37,505 sqft (0.861 acres)
Lot Dimensions	300 ft deep x 125 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3523 FRUIT ST
City	CLAY
State	MI
Zip	48001-4613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	N 300 FT OF LOT 220 SUP ROY T GILBERTS PLAT NO 2 FRAC SECS 8, 9 & 10 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	08
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #2
Legal Lot Number	220
Legal Unit	220
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3013
Census Tract	646000

Owner

3523 Fruit St is owned and occupied by an individual who acquired it in August 2008.

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

Owner of Record	Individual Name on File
Mailing Address	3523 FRUIT ST, CLAY, MI 48001-4613
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
Jun 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2006 · Amount on File
Deed Sale	May 25, 2006 · Amount on File
Prior Sale	Aug 4, 2005 · Amount on File
Deed Document Number	20062005063117
Deed Book / Page	3560 / 342
Last Transfer Date	Aug 8, 2008
Transfer Doc	003883/293
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3523 FRUIT ST, CLAY, MI 48001-4613
Document Number	0052000322
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3523 FRUIT ST CLAY MI 480014613, CLAY, MI 48001-4613

Mortgage

Document Number	0052000322
Date	Jun 17, 2020
Book Page	005200/000322

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3523 FRUIT ST, CLAY, MI 48001-4613
Document Number	0051120630
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3523 FRUIT ST CLAY MI 480014613, CLAY, MI 48001-4613

Mortgage

Document Number	0051120630
Date	Oct 24, 2019
Book Page	005112/000630

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3523 Fruit St was $2,587 with a homeowner's exemption, up 7.7% 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		$123,400 (+11.37%)	$246,800
2025	$2,587.00 (+7.66%) Homeowner's exemption	$110,800
2024	$2,403.00		$221,600
2023		$98,300
2022	$2,216.00		$196,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3523 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 3523 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.

Nearby Properties on Fruit St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures