St. Clair County property record for 3903 Fruit St, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1999 |
| Lot Size | 1.09 acres (47,655 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $27,000 (Jul 2012) |
| Tax Bill | $1,484 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-442-0025-100 |
| Primary APN | 74-14-442-0025-100 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Lot Area | 47,655 sqft (1.09 acres) |
| Lot Depth | 411 ft Depth |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3903 FRUIT ST |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | PART OF LOTS 208 & 209, BEG N88D 47M E 328.4' & S 3D 25M 50S W 33.11' FROM NW COR SEC 9, TH N 88D 47M E 115.75', TH S 0D 13M |
| Legal Subdivision | SUPERVISORS ROY T GILBERTS PLAT #2 |
| Legal Lot Number | 208-209 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 646000 |
3903 Fruit St is owned and occupied by two individuals who acquired it in July 2025.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3903 FRUIT ST, CLAY, MI 48001-4616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2012 · Amount on File |
| Deed Sale | Jul 2, 2012 · Amount on File |
| Deed Document Number | 201217187 |
| Deed Book / Page | 4272 / 787 |
| Last Transfer Date | Jul 29, 2025 |
| Transfer Doc | 0005845282 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3903 Fruit St was $1,484 with a homeowner's exemption, up 2.1% 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 | $59,400 (+4.39%) | $118,800 | |
| 2025 | $1,484.00 (+2.06%) Homeowner's exemption | $56,900 | |
| 2024 | $1,454.00 | $113,800 | |
| 2023 | $51,900 | ||
| 2022 | $1,346.00 | $103,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3903 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 3903 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 |
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