4628 Taft Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 4628 Taft Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 975 sqft
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$205,900 (Oct 2023)
Tax Bill	$3,086 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-280-0001-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-280-0001-000`

Interior

Full Baths	1 Bath
Building Area	975 sqft Living Area
1st Floor Area	975 sqft

Exterior

Lot Area	23,087 sqft (0.53 acres)
Lot Depth	255 ft Depth
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4628 TAFT RD
City	CLAY
State	MI
Zip	48001-4391
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 1 C.F. HOLSWORTH SUBDIVISION INCL 1/2 VAC ALLEY TO W IN JONATHAN RANDOLPHS SUBD
Legal Subdivision	RANDOLPHS
Legal Lot Number	1
Legal Unit	1
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3002
Census Tract	646000

Owner

4628 Taft Rd is owned and occupied by an individual who bought it in October 2023.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	4628 TAFT RD, CLAY, MI 48001-4391
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2023 · Amount on File
Deed Sale	Oct 11, 2023 · Amount on File
Prior Sale	Feb 1, 2012 · Amount on File
Deed Document Number	202318059
Deed Book / Page	5661 / 580
Prior Transfer Date	Apr 21, 2011
Prior Transfer Doc	004145/176
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 11, 2023
Property Address	4628 TAFT RD, CLAY, MI 48001-4391
Document Number	0005661580
Book / Page	5661 / 580
Map Reference	LB 38 PG 6
Instrument Date	Oct 2, 2023
Instrument	2023018059
Transaction Type	Transfer
Record Updated	Oct 26, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,545.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4628 TAFT RD, CLAY, MI 48001-4391

Mortgage

Document Number	0005662435
Date	Oct 16, 2023
Book Page	5662/435
Instrument	2023018271

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4628 Taft Rd was $3,086 with a homeowner's exemption, up 2.3% from the year before.

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Clay Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$105,100 (+13.13%)	$210,200
2025	$3,086.00 (+2.25%) Homeowner's exemption	$92,900
2024	$3,018.00		$185,800
2023		$58,300
2022	$1,665.00		$116,600

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.

Flood

FEMA maps place 4628 Taft Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 4628 Taft Rd 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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