St. Clair County property record for 4160 Fruit St, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 840 sqft |
| Lot Size | 0.464 acres (20,212 sqft) |
| Owner | Individual Name on File |
| Last Sale | $197,500 (Jul 2026) |
| Tax Bill | $2,539 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-005-3009-300 |
| Primary APN | 74-14-005-3009-300 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 840 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Lot Area | 20,212 sqft (0.464 acres) |
|---|---|
| Lot Dimensions | 150 ft deep x 133 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4160 FRUIT ST |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | BEG S 88D 31M 32S W 383.90' FROM SE SEC COR, TH S 88D 31M 32S W 133.90', TH N 6D 44M 34S E 153', TH S 89D 58M 26S E 124.23', |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 05 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 646000 |
4160 Fruit St is owned and occupied by an individual who bought it in July 2026.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6381 DYKE RD, CLAY, MI 48001-4209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
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 |
|---|---|
| Jul 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED |
| Mar 2, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Apr 8, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 8, 2019 | Deed of Trust, Mortgage · FHA Mortgage WEI MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2026 · Amount on File |
| Deed Sale | Jul 16, 2026 · Amount on File |
| Prior Sale | Mar 2, 2023 · Amount on File |
| Deed Document Number | 202614378 |
| Deed Book / Page | 5944 / 338 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jul 16, 2026 |
| Property Address | 4160 FRUIT ST, CLAY, MI 48001-4617 |
| Document Number | 0000014378 |
| Book / Page | 5944 / 338 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202614378 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2026 |
| Title Company | NATIONAL TITLE GROUP, ATA NATIONAL TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $149,606.25 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6381 DYKE RD, CLAY, MI 48001-4209 |
| Document Number | 0000014379, |
|---|---|
| Date | Jul 16, 2026 |
| Instrument | 202614379 |
| Name | MORTGAGE 1 INCORPORATED |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000014380, |
|---|---|
| Date | Jul 16, 2026 |
| Book Page | 5944/354 |
| Instrument | 202614380 |
| Name | MICHIGAN STATE HSNG DEV AUTH |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Mar 2, 2023 |
| Property Address | 4160 FRUIT ST, CLAY, MI 48001-4617 |
| Document Number | 0005602261 |
| Book / Page | 5602 / 261 |
| Instrument Date | Feb 16, 2023 |
| Instrument | 2023003367 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2023 |
| Title Company | ATA NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,117.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4160 FRUIT ST, CLAY, MI 48001-4617 |
| Name | Verified Name |
|---|---|
| Address | 8260 ANCHOR BAY DR, CLAY, MI 48001-3501 |
| Document Number | 0005602264 |
|---|---|
| Date | Mar 2, 2023 |
| Book Page | 5602/264 |
| Instrument | 2023003368 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 4160 FRUIT ST, CLAY, MI 48001-4617 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 4160 FRUIT ST, CLAY, MI 48001-4617 |
| Document Number | 5348266 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 5348/266 |
| Instrument | 2021010687 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 155 Months |
| Due | Mar 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 4160 FRUIT ST, CLAY, MI 48001-4617 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CLA TITLE |
| Name | Verified Name |
|---|
| Document Number | 0050720913 |
|---|---|
| Date | Jul 8, 2019 |
| Book Page | 5072/913 |
| Instrument | 2019013641 |
| Name | WEI MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2034 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 4160 Fruit St was $2,539 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 | $80,600 (+7.32%) | $161,200 | |
| 2025 | $2,539.00 (+2.21%) Homeowner's exemption | $75,100 | |
| 2024 | $2,484.00 | $150,200 | |
| 2023 | $64,800 | ||
| 2022 | $1,300.00 | $129,600 |
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 4160 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 4160 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 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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