St. Clair County property record for 3933 Fruit St, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,585 sqft · built 2005 |
| Lot Size | 0.539 acres (23,479 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (May 2024) |
| Tax Bill | $4,763 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Mar 2022 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-008-2001-100 |
| Primary APN | 74-14-008-2001-100 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,585 sqft Living Area |
| 1st Floor Area | 1,585 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 23,479 sqft (0.539 acres) |
| Lot Depth | 272 ft Depth |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3933 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 | BEG S88D 47M W 113.84' FROM NE COR SEC 8,TH S88D 47M W 86.16',TH S2D 19M W 271' TH S87D 41M E 86.16',TH N2D 19M E 274' |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 08 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 646000 |
3933 Fruit St is owned and occupied by an individual who bought it in May 2024.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3933 FRUIT ST, CLAY, MI 48001-4616 |
| 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.
| Date | Document |
|---|---|
| Mar 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PRIVATE MORTGAGE WHOLESALE INC |
| Mar 23, 2022 | Warranty Deed, Transfer JBN TITLE, JB TITLE |
| Jun 6, 2017 | Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| May 24, 2018 | Warranty Deed, Transfer BELL TITLE |
| Sep 14, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2024 · Amount on File |
| Deed Sale | May 28, 2024 · Amount on File |
| Prior Sale | Mar 23, 2022 · Amount on File |
| Deed Document Number | 20249470 |
| Deed Book / Page | 5716 / 324 |
| Prior Transfer Date | Dec 2, 2011 |
| Prior Transfer Doc | 004204/846 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 3933 FRUIT ST, CLAY, MI 48001-4616 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 70772 SUNNY BROOK LN, RICHMOND, MI 48062-5554 |
| Document Number | 0005493254 |
|---|---|
| Date | Mar 2, 2022 |
| Book Page | 5493/254 |
| Instrument | 2022005054 |
| Name | PRIVATE MORTGAGE WHOLESALE INC |
|---|---|
| Address | GRAND RAPIDS, MI 49506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Mar 23, 2022 |
| Property Address | 3933 FRUIT ST, CLAY, MI 48001-4616 |
| Document Number | 0005501857 |
| Book / Page | 5501 / 857 |
| Instrument Date | Feb 28, 2022 |
| Instrument | 2022006998 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2022 |
| Title Company | JBN TITLE, JB TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3933 FRUIT ST, 3933, CLAY, MI 48001-4616 |
| Name | Verified Name |
|---|---|
| Address | 70772 SUNNY BROOK LN, RICHMOND, MI 48062-5554 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 3933 FRUIT ST, CLAY, MI 48001-4616 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0048370385 |
|---|---|
| Date | Jun 6, 2017 |
| Book Page | 4837/385 |
| Instrument | 2017014587 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | May 24, 2018 |
| Property Address | 3933 FRUIT ST, CLAY, MI 48001-4616 |
| Document Number | 0004948616 |
| Book / Page | 4948 / 616 |
| Instrument Date | May 4, 2018 |
| Instrument | 2018012034 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | BELL TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,591.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3933 FRUIT ST, CLAY, MI 48001-4616 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Sep 14, 2017 |
| Property Address | 3933 FRUIT ST, CLAY, MI 48001-4616 |
| Document Number | 0048690040 |
| Book / Page | 004869 / 000040 |
| Instrument Date | Sep 5, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 2151 LIVERNOIS DR HOWELL MI 488438411, HOWELL, MI 48843-8411 |
The 2025 property tax bill for 3933 Fruit St was $4,763 with a homeowner's exemption, up 4% 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 | $160,400 (+13.76%) | $320,800 | |
| 2025 | $4,763.00 (+3.95%) Homeowner's exemption | $141,000 | |
| 2024 | $4,582.00 | $282,000 | |
| 2023 | $128,100 | ||
| 2022 | $3,567.00 | $256,200 |
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 3933 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 3933 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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