St. Clair County property record for 3781 Fruit St, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,200 sqft |
| Lot Size | 0.505 acres (21,998 sqft) |
| Owner | Individual Name on File |
| Last Sale | $147,000 (Apr 2020) |
| Tax Bill | $2,218 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-442-0028-000 |
| Primary APN | 74-14-442-0028-000 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Lot Area | 21,998 sqft (0.505 acres) |
|---|---|
| Lot Dimensions | 300 ft deep x 73.3 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3781 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 | NLY 300' OF WLY 1/2 OF LOT 211 SUP ROY T GILBERTS PLAT NO 2 FRAC SECS 8, 9 & 10 T2N R16E |
| Legal Subdivision | SUPERVISORS ROY T GILBERTS PLAT #2 |
| Legal Lot Number | 211 |
| Legal Unit | 211 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 646000 |
3781 Fruit St is owned and occupied by an individual who bought it in April 2020.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3781 FRUIT ST, CLAY, MI 48001-4614 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2020 · Amount on File |
| Deed Sale | Apr 20, 2020 · Amount on File |
| Prior Sale | Feb 5, 2014 · Amount on File |
| Deed Document Number | 20209585 |
| Deed Book / Page | 5175 / 645 |
| Prior Transfer Date | Feb 27, 2012 |
| Prior Transfer Doc | 004237/949 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jul 21, 2026 |
| Property Address | 3781 FRUIT ST, CLAY, MI 48001-4614 |
| Document Number | 0000014715 |
| Book / Page | 5945 / 959 |
| Instrument Date | Jul 12, 2026 |
| Instrument | 202614715 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3781 FRUIT ST, CLAY, MI 48001-4614 |
| Document Number | 0000014715, |
|---|---|
| Date | Jul 21, 2026 |
| Book Page | 5945/959 |
| Instrument | 202614715 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 6, 2046 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 3781 Fruit St was $2,218 with a homeowner's exemption, up 2.2% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $79,500 (+12.45%) | $159,000 | |
| 2025 | $2,218.00 (+2.21%) Homeowner's exemption | $70,700 | |
| 2024 | $2,170.00 | $141,400 | |
| 2023 | $64,000 | ||
| 2022 | $2,003.00 | $128,000 |
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.
FEMA maps place 3781 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 risk around 3781 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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures