3763 Fruit St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 3763 Fruit St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,776 sqft · built 1979
Lot Size	1 acres (43,908 sqft)
Owner	Individual Name on Record
Tax Bill	$2,571 (2025)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-442-0029-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-442-0029-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,776 sqft Living Area
1st Floor Area	1,776 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	43,908 sqft (1 acres)
Lot Dimensions	400 ft deep x 109 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3763 FRUIT ST
City	CLAY
State	MI
Zip	48001-4614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	N 400' OF FOLL W 1/2 OF LOT 212 & E 1/2 OF LOT 211 SUPERVISOR ROY T GILBERT'S PLAT NO. 2
Legal Subdivision	SUPRVRS ROY T GILBERTS 2-CLAY
Legal Lot Number	211-212
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3013
Census Tract	646000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3763 FRUIT ST, CLAY, MI 48001-4614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3763 FRUIT ST, CLAY, MI 48001-4614
Document Number	0048960873
Book / Page	004896 / 000873
Instrument Date	Nov 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3763 FRUIT ST CLAY MI 480014614, CLAY, MI 48001-4614

Mortgage

Document Number	0048960873
Date	Dec 4, 2017
Book Page	004896/000873

Lender

Name	CITIBANK
Type	Federal Savings Bank
Address	DARDENNE PRAIRIE, MO 63368-2240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 3, 2037

Tax Assessment & Valuation

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		$137,000 (+12.94%)	$274,000 (+12.94%)
2025	$2,571.00 (+2.23%) Homeowner's exemption	$121,300 (+10.17%)
2024	$2,515.00 (+8.45%)		$242,600 (+10.17%)
2023		$110,100
2022	$2,319.00		$220,200

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 200 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