6104 Benoit Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 6104 Benoit Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,348 sqft
Lot Size	2.52 acres (109,771 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Nov 2017)
Tax Bill	$1,615 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-028-3025-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-028-3025-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,348 sqft Living Area
1st Floor Area	1,348 sqft

Exterior

Lot Area	109,771 sqft (2.52 acres)
Lot Dimensions	289 ft deep x 341 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	6104 BENOIT RD
City	CLAY
State	MI
Zip	48001-3302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	W 341.20 FT OF S 322.27 FT OF E 1/2 OF SE 1/4 SEC 28 T3N R16E CONT 2.52 A
Legal Range	16E
Legal Township	03N
Legal Section	28
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	4
Census Block	4012
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	6104 BENOIT RD, CLAY, MI 48001-3302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK EASTERN MICHIGAN
Oct 10, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Oct 10, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Aug 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK EASTERN MI
Aug 19, 2021	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Nov 7, 2017	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2017 · Amount on Record
Deed Sale	Nov 7, 2017 · Amount on Record
Prior Sale	Oct 2, 2013 · Amount on Record
Deed Document Number	201726580
Prior Transfer Date	Oct 23, 2017
Prior Transfer Doc	2017026580
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	6104 BENOIT RD, CLAY, MI 48001-3302
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6104 BENOIT RD, CLAY, MI 48001-3302

Mortgage

Document Number	0000058623
Date	Oct 17, 2025
Book Page	5862/3
Instrument	2025019793

Lender

Name	FIFTH THIRD BANK EASTERN MICHIGAN
Type	Bank
Address	1850 E PARIS AVE SE, GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	6104 BENOIT RD, CLAY, MI 48001-3302
Transaction Type	Mortgage
Record Updated	Nov 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6104 BENOIT RD, CLAY, MI 48001-3302

Mortgage

Document Number	0005568809
Date	Oct 10, 2022
Book Page	5568/809
Instrument	2022023184

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount Recorded
Term	238 Months
Due	Aug 1, 2042

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	6104 BENOIT RD, CLAY, MI 48001-3302
Transaction Type	Mortgage
Record Updated	Nov 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6104 BENOIT RD, CLAY, MI 48001-3302

Mortgage

Document Number	0005568825
Date	Oct 10, 2022
Book Page	5568/825
Instrument	2022023185

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	6104 BENOIT RD, CLAY, MI 48001-3302
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005092220
Date	Aug 30, 2019
Book Page	5092/220
Instrument	2019017869

Lender

Name	FIFTH THIRD BANK EASTERN MI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	6104 BENOIT RD, CLAY, MI 48001-3302
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6104 BENOIT RD, CLAY, MI 48001-3302

Mortgage

Document Number	0005410414
Date	Aug 19, 2021
Book Page	5410/414
Instrument	2021023915

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 7, 2017
Property Address	6104 BENOIT RD, CLAY, MI 48001-3302
Document Number	0048880265
Book / Page	004888 / 000265
Instrument Date	Oct 23, 2017
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$688.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6104 BENOIT RD CLAY MI 480013302, CLAY, MI 48001-3302

Mortgage

Document Number	48880266
Date	Nov 7, 2017
Book Page	004888/000266

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2047

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		$81,300 (+7.82%)	$162,600 (+7.82%)
2025	$1,615.00 (+2.6%) Homeowner's exemption	$75,400 (+20.83%)
2024	$1,574.00 (+8.03%)		$150,800 (+20.83%)
2023		$62,400
2022	$1,457.00		$124,800

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2011 · 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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