5191 Taft Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 5191 Taft Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 1993
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Last Sale	$234,000 (Jan 2024)
Tax Bill	$2,962 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Jan 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-053-0025-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-053-0025-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,352 sqft Living Area
1st Floor Area	1,352 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	65,340 sqft (1.5 acres)
Lot Depth	319 ft Depth

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Street Address	5191 TAFT RD
City	CLAY
State	MI
Zip	48001-4700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	BEG AT INT OF E LINE OF PC 196 WITH CENTER OF PTE TREMBLE RD, TH N 69D 50M W 184.39', TH S 15D 12 1/2M W 359.5', TH S 74D 18M
Legal Range	16E
Legal Township	02N
Legal Section	15
Legal Subdivision	PRIVATE CLAIM 196
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2010
Census Tract	646000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5191 TAFT RD, CLAY, MI 48001-4700
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL INC
Jan 18, 2024	Warranty Deed, Transfer TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE
Mar 29, 2021	Warranty Deed, Transfer · VA Mortgage MICHIGAN MUTUAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2024 · Amount on Record
Deed Sale	Jan 18, 2024 · Amount on Record
Prior Sale	Mar 29, 2021 · Amount on Record
Deed Document Number	2024983
Deed Book / Page	5684 / 447
Prior Transfer Date	Sep 24, 2012
Prior Transfer Doc	004306/236
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	5191 TAFT RD, CLAY, MI 48001-4700
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17407 ROCCO DR, MACOMB, MI 48044-1692

Mortgage

Document Number	0000567722
Date	Dec 15, 2023
Book Page	5677/22
Instrument	2023021763

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 18, 2024
Property Address	5191 TAFT RD, CLAY, MI 48001-4700
Document Number	0005684447
Book / Page	5684 / 447
Instrument Date	Dec 12, 2023
Instrument	2024000983
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transaction

Amount	Amount Recorded
Tax	$1,755.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5191 TAFT RD, CLAY, MI 48001-4700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17407 ROCCO DR, MACOMB, MI 48044-1692

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 29, 2021
Property Address	5191 TAFT RD, CLAY, MI 48001-4700
Document Number	0005342543
Book / Page	5342 / 543
Instrument Date	Mar 8, 2021
Instrument	2021009087
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1587 CATTAIL TRL, 1587, MILFORD, MI 48380-3342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5191 TAFT RD, CLAY, MI 48001-4700

Mortgage

Document Number	2021009088
Date	Mar 29, 2021
Instrument	2021009088

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

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		$112,000 (+25.56%)	$224,000 (+25.56%)
2025	$2,962.00 (+3.06%) Homeowner's exemption	$89,200 (+21.86%)
2024	$2,874.00 (+14.5%)		$178,400 (+21.86%)
2023		$73,200
2022	$2,510.00		$146,400

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

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	4 (1984–2020)
Claims Outside the SFHA	2 of 4
Most Recent Claim	May 2020

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

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 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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