629 Clay St, Algonac, MI 48001 Property Records

St. Clair County property record for 629 Clay St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,176 sqft
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Jul 2025)
Tax Bill	$2,122 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-01-105-0197-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-105-0197-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	1,152 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	629 CLAY ST
City	ALGONAC
State	MI
Zip	48001-1401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	E 1/2 OF LOTS 3 & 4 BLK 67 MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 ST CLAIR
Legal Range	16E
Legal Township	02N
Legal Section	10
Legal Subdivision	VILLAGE OF ALGONAC
Legal Block	67
Legal Lot Number	3-4
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	2
Census Block	2033
Census Tract	649000

Owner

629 Clay St is owned and occupied by an individual who bought it in July 2025.

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

Owner of Record	Individual Name on File
Mailing Address	629 CLAY ST, ALGONAC, MI 48001-1401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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	Jul 8, 2025 · Amount on File
Deed Sale	Jul 8, 2025 · Amount on File
Prior Sale	Jun 4, 2007 · Amount on File
Deed Document Number	202512723
Deed Book / Page	5829 / 359
Prior Transfer Date	Jun 24, 2025
Prior Transfer Doc	0005829359
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 8, 2025
Property Address	629 CLAY ST, ALGONAC, MI 48001-1401
Document Number	0005829359
Book / Page	5829 / 359
Map Reference	LB F PG 51
Instrument Date	Jun 24, 2025
Instrument	2025012723
Transaction Type	Transfer
Record Updated	Oct 7, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	629 CLAY ST, ALGONAC, MI 48001-1401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 CLAY ST, ALGONAC, MI 48001-1401

Mortgage

Document Number	2025012586
Date	Jul 8, 2025
Instrument	2025012586

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 629 Clay St was $2,122, up 2.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Algonac City
County	St. Clair County
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$82,900 (+3.75%)	$165,800
2025	$2,122.00 (+2.41%)	$79,900
2024	$2,072.00		$159,800
2023		$63,800
2022	$1,828.00		$127,600

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

Flood

FEMA maps place 629 Clay St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1984.

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	13 (1984–2021)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Feb 2021 · other causes

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 629 Clay St 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	CITY OF ALGONAC serves 4,110 people · EPA ID MI0000110
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	3 ppb (2024–2026) 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 290 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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