St. Clair County property record for 6431 Genaw Rd, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,160 sqft · built 2004 |
| Lot Size | 1.75 acres (76,578 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $517,000 (Jun 2024) |
| Tax Bill | $8,526 (2025) |
| Deeds & Mortgages | Feb 2023 Transfer Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-028-1001-250 |
| Primary APN | 74-14-028-1001-250 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,160 sqft Living Area |
| 1st Floor Area | 2,160 sqft |
| Basement Area | 2,160 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 76,578 sqft (1.75 acres) |
| Lot Dimensions | 348 ft deep x 220 ft wide |
| Garage Area | 989 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6431 GENAW RD |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-3313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-1 |
| Legal Description | BEG AT NW SEC COR, TH S 88D 59M 11S E 352.91', TH S 0D 45M 0S W 223.10', TH N 88D 59M 30S W 352.91', TH N 0D 45M 0S E 223.13' |
| Legal Range | 16E |
| Legal Township | 03N |
| Legal Section | 28 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 646000 |
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 | 6431 GENAW RD, CLAY, MI 48001-3313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2023 | Intrafamily Transfer, Transfer |
| Nov 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESID'L MTG |
| Aug 22, 2017 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 6, 2024 · Amount on Record |
| Deed Sale | Jun 6, 2024 · Amount on Record |
| Prior Sale | Aug 22, 2017 · Amount on Record |
| Deed Document Number | 202410019 |
| Deed Book / Page | 5718 / 946 |
| Last Transfer Date | Sep 25, 2024 |
| Transfer Doc | 0005754630 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Feb 2, 2023 |
| Property Address | MC KINLEY RD, ALGONAC, MI 48001 |
| Document Number | 0005595811 |
| Book / Page | 5595 / 811 |
| Instrument Date | Dec 20, 2022 |
| Instrument | 2023001785 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6431 GENAW RD, CLAY, MI 48001-3313 |
| Name | Verified Name |
|---|---|
| Address | 6431 GENAW RD, CLAY, MI 48001-3313 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | MC KINLEY RD, ALGONAC, MI 48001 |
| Document Number | 0052930139 |
| Instrument Date | Nov 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6431 GENAW RD CLAY MI 480013313, CLAY, MI 48001-3313 |
| Document Number | 0052930139 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 005293/000139 |
| Name | PARAMOUNT RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 22, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Aug 22, 2017 |
| Property Address | MC KINLEY RD, ALGONAC, MI 48001 |
| Document Number | 0048600629 |
| Book / Page | 004860 / 000629 |
| Instrument Date | Jun 9, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,984.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6431 GENAW RD CLAY MI 480013313, CLAY, MI 48001-3313 |
| Document Number | 48600630 |
|---|---|
| Date | Aug 22, 2017 |
| Book Page | 004860/000630 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2047 |
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $278,600 (+8.57%) | $557,200 (+8.57%) | |
| 2025 | $8,526.00 (+32.78%) Homeowner's exemption | $256,600 (+18.96%) | |
| 2024 | $6,421.00 (+9.37%) | $513,200 (+18.96%) | |
| 2023 | $215,700 | ||
| 2022 | $5,871.00 | $431,400 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Duke Broadband Fiber | 1,000 / 100 |
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