Genesee County property record for 643 Clay St, Clio, MI 48420
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,040 sqft · built 1957 |
| Lot Size | 1.63 acres (71,003 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $78,500 (May 2024) |
| Tax Bill | $4,246 (2025) |
| Deeds & Mortgages | May 2024 Sale Jun 2023 Foreclosure + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-23-100-039 |
| Primary APN | 51-23-100-039 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 2,040 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Basement Area | 1,200 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 71,003 sqft (1.63 acres) |
| Lot Dimensions | 354 ft deep x 200 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 643 CLAY ST |
|---|---|
| City | CLIO |
| State | MI |
| Zip | 48420-1467 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MH |
| Legal Description | A PARCEL OF LAND BEG N 89 DEG 25 MIN 27 SEC E 742.58 FT & N 27 DEG W 741.17 FT FROM W 1/4 COR OF SEC TH N 88 DEG 30 MIN E |
| Legal Range | 06E |
| Legal Township | 09N |
| Legal Section | 23 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | CLIO |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 10110 |
Source: Genesee County records, as of October 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 643 CLAY ST, CLIO, MI 48420-1467 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 9, 2024 | Deed, Transfer MORTGAGE CONNECT LP |
| Jun 9, 2023 | Sheriff's Deed, Foreclosure |
| Sep 17, 2020 | Warranty Deed, Transfer MID AMERICA MTG |
| Sep 20, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2024 · Amount on Record |
| Deed Sale | May 9, 2024 · Amount on Record |
| Prior Sale | Jun 9, 2023 · Amount on Record |
| Deed Document Number | 202430465 |
| Prior Transfer Date | May 31, 2023 |
| Prior Transfer Doc | 0000035953 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | May 9, 2024 |
| Property Address | 643 CLAY ST, CLIO, MI 48420-1467 |
| Document Number | 0000030465 |
| Instrument Date | Apr 26, 2024 |
| Instrument | 202405090030465 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Amount | Amount Recorded |
|---|---|
| Tax | $588.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 951 W YAMATO RD # RD175, RD175, BOCA RATON, FL 33431-4439 |
| Name | Verified Name |
|---|---|
| Address | 643 CLAY ST, CLIO, MI 48420-1467 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jun 9, 2023 |
| Property Address | 643 CLAY ST, CLIO, MI 48420-1467 |
| Document Number | 0000035953 |
| Instrument Date | May 31, 2023 |
| Instrument | 202306090035953 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 22, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 643 CLAY ST, CLIO, MI 48420-1467 |
| Name | Verified Name |
|---|---|
| Address | 951 W YAMATO RD STE 175, 175, BOCA RATON, FL 33431-4444 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Sep 17, 2020 |
| Property Address | 643 CLAY ST, CLIO, MI 48420-1467 |
| Document Number | 0000064615 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 64615 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2020 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $860.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5906 MAPLEBROOK LN FLINT MI 485074166, FLINT, MI 48507-4166 |
| Document Number | 64616 |
|---|---|
| Date | Sep 17, 2020 |
| Instrument | 64616 |
| Name | MID AMERICA MTG |
|---|---|
| Type | Mortgage Company |
| Address | ADDISON, TN 75001 |
| Amount | Amount Recorded |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Sep 20, 2018 |
| Property Address | 643 CLAY ST, CLIO, MI 48420-1467 |
| Document Number | 0000087851 |
| Instrument Date | Aug 28, 2018 |
| Instrument | 87851 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 643 CLAY ST CLIO MI 484201467, CLIO, MI 48420-1467 |
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| Municipality | Clio City |
| Unified School District | Clio Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $91,900 (+6%) | $183,800 (+6%) | |
| 2025 | $4,246.00 (+34.07%) Homeowner's exemption | $86,700 (+30.38%) | $173,400 (+30.38%) |
| 2024 | $3,167.00 (-9.98%) | ||
| 2023 | $66,500 | $133,000 | |
| 2021 | $3,518.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 19, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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 CLIO serves 2,515 people · EPA ID MI0001490 |
|---|---|
| Water Source | Purchased surface water from GENESEE COUNTY WATER SYSTEM |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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