St. Clair County property record for 7204 Cardinal St, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,110 sqft |
| Lot Size | 0.179 acres (7,797 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (Jun 2006) |
| Tax Bill | $2,982 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-199-0087-000 |
| Primary APN | 74-14-199-0087-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,110 sqft Living Area |
| 1st Floor Area | 1,110 sqft |
| Lot Area | 7,797 sqft (0.179 acres) |
|---|---|
| Lot Dimensions | 120 ft deep x 65 ft wide |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7204 CARDINAL ST |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 312 BLUE WATER ISLES NO 2 FRAC SEC 1 & 2 T2N R15E & FRAC SEC 36 T3N R15E |
| Legal Range | 15E |
| Legal Township | 03N |
| Legal Section | 36 |
| Legal Subdivision | BLUE WATER ISLES #2 |
| Legal Lot Number | 312 |
| Legal Unit | 312 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 647000 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7204 CARDINAL ST, CLAY, MI 48001-4106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2006 · Amount on Record |
| Deed Sale | Jun 26, 2006 · Amount on Record |
| Prior Sale | Jan 11, 2006 · Amount on Record |
| Deed Document Number | 20062005066415 |
| Deed Book / Page | 3575 / 332 |
| Last Transfer Date | Dec 29, 2025 |
| Transfer Doc | 0005893936 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 30, 2026 |
| Property Address | 7204 CARDINAL ST, CLAY, MI 48001-4106 |
| Document Number | 0005893936 |
| Book / Page | 5893 / 936 |
| Map Reference | LB 57 PG 16 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 2026002094 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7204 CARDINAL ST, CLAY, MI 48001-4106 |
| Name | Verified Name |
|---|---|
| Address | 7204 CARDINAL ST, CLAY, MI 48001-4106 |
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 | $154,600 (+9.49%) | $309,200 (+9.49%) | |
| 2025 | $2,982.00 (+2.23%) Homeowner's exemption | $141,200 (+16.6%) | |
| 2024 | $2,917.00 (+8.6%) | $282,400 (+16.6%) | |
| 2023 | $121,100 | ||
| 2022 | $2,686.00 | $242,200 |
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 July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 143 policies |
| Nearby Flood Policies | 143 in force |
| Nearby Flood Claims | 77 (1985–2024) |
| Claims Outside the SFHA | 56 of 77 |
| Most Recent Claim | Jan 2024 |
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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLAY TOWNSHIP serves 9,866 people · EPA ID MI0001450 |
|---|---|
| Water Source | Purchased surface water from CITY OF ALGONAC |
| Last State Inspection | May 2021 |
| Lead | 3 ppb (2021–2023) 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 230 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: AT&T.
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