4908 Taft Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 4908 Taft Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,016 sqft
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on File
Last Sale	$122,000 (Apr 2020)
Tax Bill	$2,301 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-052-0039-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-052-0039-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,016 sqft Living Area
1st Floor Area	1,016 sqft

Exterior

Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	202 ft deep x 99 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4908 TAFT RD
City	CLAY
State	MI
Zip	48001-4397
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	S 202 FT OF W 99 FT OF E 198 FT OF THAT PART OF W 1/2 OF W 1/2 OF PC 190 LYING N OF PT AUX TREMBLE RD. 0.45 A PC 190
Legal Subdivision	CLAY TOWNSHIP
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3002
Census Tract	646000

Owner

4908 Taft Rd is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	4908 TAFT RD, CLAY, MI 48001-4397
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

Date	Document
Aug 5, 2021	Deed of Trust, Mortgage · FHA Mortgage UNITED STATES OF AMERICA
Apr 15, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC
Oct 2, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2020 · Amount on File
Deed Sale	Apr 15, 2020 · Amount on File
Prior Sale	Oct 2, 2017 · Amount on File
Deed Document Number	20208820
Deed Book / Page	5174 / 403
Prior Transfer Date	Sep 29, 2017
Prior Transfer Doc	2017023601
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	4908 TAFT RD, CLAY, MI 48001-4397
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4908 TAFT RD, CLAY, MI 48001-4397

Mortgage

Document Number	0005403797
Date	Aug 5, 2021
Book Page	5403/797
Instrument	2021022559

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	SAINT LOUIS, MO 63120

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Apr 1, 2050

April 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 15, 2020
Property Address	4908 TAFT RD, CLAY, MI 48001-4397
Document Number	0005174403
Book / Page	5174 / 403
Instrument Date	Mar 27, 2020
Instrument	2020008820
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 11, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$915.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4908 TAFT RD, 4908, CLAY, MI 48001-4397

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4908 TAFT RD, CLAY, MI 48001-4397

Mortgage

Document Number	2020008821
Date	Apr 15, 2020
Instrument	2020008821

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 2, 2017
Property Address	4908 TAFT RD, CLAY, MI 48001-4397
Document Number	0048750794
Book / Page	004875 / 000794
Instrument Date	Sep 29, 2017
Transaction Type	Transfer
Record Updated	Nov 8, 2017

Transaction

Amount	Amount on Record
Tax	$367.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5656 WELLS LN SAN RAMON CA 945823079, SAN RAMON, CA 94582-3079

Tax Assessment & Valuation

The 2025 property tax bill for 4908 Taft Rd was $2,301 with a homeowner's exemption, up 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		$79,600 (+12.11%)	$159,200
2025	$2,301.00 (+3%) Homeowner's exemption	$71,000
2024	$2,234.00		$142,000
2023		$67,800
2022	$2,023.00		$135,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4908 Taft Rd 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

Wildfire risk around 4908 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	None beyond ember reach

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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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