630 Clay St, Algonac, MI 48001 Property Records

St. Clair County property record for 630 Clay St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,372 sqft
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Jul 2018)
Tax Bill	$2,121 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-01-105-0189-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-105-0189-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,372 sqft Living Area
1st Floor Area	1,372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	65 ft deep x 130 ft wide

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	630 CLAY ST
City	ALGONAC
State	MI
Zip	48001-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 1 & S 5' OF LOT 2 BLK 66 & 1/2 VAC ALLEY ADJ MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF
Legal Subdivision	VILLAGE OF ALGONAC
Legal Block	66
Legal Lot Number	1-2
Legal Unit	1,2
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	2
Census Block	2034
Census Tract	649000

Owner

630 Clay St is owned and occupied by an individual who bought it in July 2018.

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

Owner of Record	Individual Name on File
Mailing Address	630 CLAY ST, ALGONAC, MI 48001-1402
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 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jul 25, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2018 · Amount on File
Deed Sale	Jul 25, 2018 · Amount on File
Prior Sale	Oct 7, 2015 · Amount on File
Deed Document Number	201816864
Deed Book / Page	4971 / 128
Prior Transfer Date	Jun 27, 2013
Prior Transfer Doc	004414/553
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	630 CLAY ST, ALGONAC, MI 48001-1402
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005226838
Date	Aug 17, 2020
Book Page	5226/838
Instrument	2020019418

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 25, 2018
Property Address	630 CLAY ST, ALGONAC, MI 48001-1402
Document Number	0004971128
Book / Page	4971 / 128
Map Reference	LB F PG 51
Instrument Date	Jul 13, 2018
Instrument	2018016864
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,075.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9632 ANCHOR DR, CLAY, MI 48001-4304

Mortgage

Document Number	2018016865
Date	Jul 25, 2018
Instrument	2018016865

Lender

Name	AMERIFIRST FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 630 Clay St was $2,121 with a homeowner's exemption, up 2.1% 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		$83,600 (+4.11%)	$167,200
2025	$2,121.00 (+2.07%) Homeowner's exemption	$80,300
2024	$2,078.00		$160,600
2023		$64,100
2022	$1,847.00		$128,200

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

Flood

FEMA maps place 630 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 630 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.

Nearby Properties on Clay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures