St. Clair County property record for 633 Clay St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,135 sqft · built 1918 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,820 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-01-105-0200-000 |
| Primary APN | 74-01-105-0200-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,135 sqft Living Area |
| 1st Floor Area | 1,220 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 102 ft deep x 60 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 633 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 | W 1/2 OF N 42' OF LOT 3 & ALL OF W 1/2 OF LOT 4 BLK 67 MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 10 |
| Legal Subdivision | VILLAGE OF ALGONAC |
| Legal Block | 67 |
| Legal Lot Number | 3-4 |
| Legal Unit | 3,4 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 649000 |
633 Clay St is owned and occupied by an individual.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 633 CLAY ST, ALGONAC, MI 48001-1401 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 633 CLAY ST, ALGONAC, MI 48001-1401 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2024 |
| Title Company | MADISON SETTLEMENT SERVICES, MADISON SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 633 CLAY ST, ALGONAC, MI 48001-1401 |
| Document Number | 0005670170 |
|---|---|
| Date | Nov 13, 2023 |
| Book Page | 5670/170 |
| Instrument | 2023020024 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
The 2025 property tax bill for 633 Clay St was $1,820 with a homeowner's exemption, up 2.1% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Algonac City |
| County | St. Clair County |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $102,100 (+5.69%) | $204,200 | |
| 2025 | $1,820.00 (+2.13%) Homeowner's exemption | $96,600 | |
| 2024 | $1,782.00 | $193,200 | |
| 2023 | $78,000 | ||
| 2022 | $1,596.00 | $156,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 633 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 risk around 633 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.
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 |
| 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.
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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