St. Clair County property record for 3937 Fruit St, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,125 sqft |
| Lot Size | 0.456 acres (19,863 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,316 (2025) |
| Deeds & Mortgages | Aug 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-442-0021-001 |
| Primary APN | 74-14-442-0021-001 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,125 sqft Living Area |
| 1st Floor Area | 1,125 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 19,863 sqft (0.456 acres) |
|---|---|
| Lot Dimensions | 141 ft deep x 100 ft wide |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|
| Street Address | 3937 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 | LOT 204, LOT 206 LOT 207 & VAC ALLEY ADJ TO SAID LOT 204 SUPERVISOR ROY T GILBERTS PLAT NO 2 SPLIT ON 06/07/2006 FROM |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 2-CLAY |
| Legal Lot Number | 204,206 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 646000 |
3937 Fruit St is owned and occupied by an individual who acquired it in November 2018.
Source: St. Clair County records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3937 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 3, 2018 |
| Transfer Doc | 0000015740 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Aug 4, 2026 |
| Property Address | 3937 FRUIT ST, CLAY, MI 48001-4616 |
| Document Number | 0000015740 |
| Book / Page | 5950 / 701 |
| Instrument Date | Nov 3, 2018 |
| Instrument | 202615740 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 3937 FRUIT ST, CLAY, MI 48001-4616 |
The 2025 property tax bill for 3937 Fruit St was $1,316 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 | $86,500 (+9.77%) | $173,000 | |
| 2025 | $1,316.00 (+2.09%) Homeowner's exemption | $78,800 | |
| 2024 | $1,289.00 | $157,600 | |
| 2023 | $67,900 | ||
| 2022 | $1,196.00 | $135,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3937 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 3937 Fruit St is low, with less than 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 94% of the US · lower than 87% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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