St. Clair County property record for 3914 Fruit St, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,550 sqft · built 2003 |
| Lot Size | 0.772 acres (33,628 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,381 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-541-0125-100 |
| Primary APN | 74-14-541-0125-100 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,550 sqft Living Area |
| 1st Floor Area | 1,550 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 33,628 sqft (0.772 acres) |
| Lot Depth | 410 ft Depth |
| Garage Area | 472 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3914 FRUIT ST |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | PART OF LOT 1312 BEG N 88D 58M 54S E 82.04' FROM SW COR LOT 1312, TH N 0D 38M 55S E 410', TH N 88D 58M 48S E 82.01', TH S 0D |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 17-CLAY |
| Legal Lot Number | 1312 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 646000 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3914 FRUIT ST, CLAY, MI 48001-4615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Nov 19, 2025 | Transfer on Death Deed, Transfer |
| May 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Mar 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 14, 2025 |
| Transfer Doc | 0005873214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Nov 19, 2025 |
| Property Address | 3914 FRUIT ST, CLAY, MI 48001-4615 |
| Document Number | 0005873214 |
| Book / Page | 5873 / 214 |
| Map Reference | LB 50 PG 30 |
| Instrument Date | Oct 14, 2025 |
| Instrument | 2025022346 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3914 FRUIT ST, CLAY, MI 48001-4615 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3914 FRUIT ST, CLAY, MI 48001-4615 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 3914 FRUIT ST, CLAY, MI 48001-4615 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3914 FRUIT ST, CLAY, MI 48001-4615 |
| Document Number | 5360906 |
|---|---|
| Date | May 3, 2021 |
| Book Page | 5360/906 |
| Instrument | 2021013540 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 3914 FRUIT ST, CLAY, MI 48001-4615 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0048090675 |
|---|---|
| Date | Mar 17, 2017 |
| Book Page | 4809/675 |
| Instrument | 2017006735 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2037 |
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 | $145,600 (+14.02%) | $291,200 (+14.02%) | |
| 2025 | $2,381.00 (+2.19%) Homeowner's exemption | $127,700 (+10.09%) | |
| 2024 | $2,330.00 (+8.42%) | $255,400 (+10.09%) | |
| 2023 | $116,000 | ||
| 2022 | $2,149.00 | $232,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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