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7204 Harbor Dr, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 7204 Harbor Dr, Clay, MI 48001

Property Summary

Property TypeCondominium
Details2 bd · 1.5 ba · 1,039 sqft · built 1981
OwnerIndividual Name on File
Last Sale$265,000 (Jul 2023)
Tax Bill$2,196 (2025)
Deeds & MortgagesJul 2023 Sale
Dec 2019 Mortgage
+ 2 more
Flood ZoneZone AE (high risk)
APN74-14-920-0003-000

Property Details

APN / Parcel Number

Primary APN74-14-920-0003-000

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Building Area1,039 sqft Living Area
1st Floor Area506 sqft

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Architectural StyleCondo/Apartment
Garage Area267 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address7204 HARBOR DR
CityCLAY
StateMI
Zip48001-4211
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeRM
Legal DescriptionUNIT 3 RIVER HAMLET CONDOMINIUMS ST CLAIR COUNTY CONDOMINIUM PLAN NO. 89 RECORDED 2-8-91 IN LIBER 1247 PAGES 494 TO 537
Legal SubdivisionST CLAIR COUNTY CONDOMINIUM
Legal Unit3
JurisdictionSAINT CLAIR MI
Township / Civil DivisionCLAY
Census Block Group2
Census Block2015
Census Tract647000

Owner

Source: St. Clair County assessment roll, as of October 7, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address7204 HARBOR DR, CLAY, MI 48001-4211
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 6, 2023Warranty Deed, Transfer
PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC
Dec 3, 2019Deed of Trust, Mortgage · FHA Mortgage
UNITED SHORE FINANCIAL SERVICE
Oct 29, 2020Warranty Deed, Transfer
ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC
Jan 6, 2020Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 6, 2023 · Amount on Record
Deed SaleJul 6, 2023 · Amount on Record
Prior SaleOct 29, 2020 · Amount on Record
Deed Document Number202311897
Deed Book / Page5634 / 854
Last Transfer DateDec 8, 2025
Transfer Doc0000023716
Record UpdatedSep 20, 2026

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAINT CLAIR MI
Recording DateJul 6, 2023
Property Address7204 HARBOR DR # 3, 3, CLAY, MI 48001-4211
Document Number0005634854
Book / Page5634 / 854
Map ReferenceLB 5014 PG 154
Instrument DateMay 26, 2023
Instrument2023011897
Transaction TypeTransfer
Record UpdatedJul 28, 2023
Title CompanyPREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC

Transaction

AmountAmount Recorded
Tax$1,987.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7204 HARBOR DR, CLAY, MI 48001-4211

Transferred To (Grantee/Buyer)

NameVerified Name
Address7204 HARBOR DR, CLAY, MI 48001-4211

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAINT CLAIR MI
Property Address7204 HARBOR DR # 3, 3, CLAY, MI 48001-4211
Transaction TypeMortgage
Record UpdatedSep 13, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005126736
DateDec 3, 2019
Book Page5126/736
Instrument2019025376
Lender
NameUNITED SHORE FINANCIAL SERVICE
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2049
Interest
Rate TypeFixed Rate

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAINT CLAIR MI
Recording DateOct 29, 2020
Property Address7204 HARBOR DR # 3, 3, CLAY, MI 48001-4211
Document Number0052630873
Book / Page005263 / 000873
Instrument DateOct 12, 2020
Transaction TypeTransfer
Record UpdatedNov 24, 2020
Title CompanyATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

AmountAmount Recorded
Tax$13.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address7204 HARBOR DR CLAY MI 480014211, CLAY, MI 48001-4211

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAINT CLAIR MI
Recording DateJan 6, 2020
Property Address7204 HARBOR DR # 3, 3, CLAY, MI 48001-4211
Document Number0005137788
Book / Page5137 / 788
Map ReferenceLB 1247 PG 494-537
Instrument DateNov 25, 2019
Instrument2020000433
Transaction TypeTransfer
Record UpdatedSep 13, 2022

Transaction

AmountAmount Recorded
Tax$1,720.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7253 PARKLANE DR, 7253, CLAY, MI 48001-4223

Transferred To (Grantee/Buyer)

NameVerified Name
Address7204 HARBOR DR, CLAY, MI 48001-4211

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

Property Jurisdictions

TypeName
StateMichigan
CountySt. Clair County
County SubdivisionClay Township
Unified School DistrictAlgonac Community School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,196.00 (-42.72%) Homeowner's exemption$114,600 (+14.03%)
2024$3,834.00 (-23.1%)$229,200 (+14.03%)
2023$100,500
2022$4,986.00$201,000

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.

Flood

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation579.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 143 policies
Nearby Flood Policies143 in force
Nearby Flood Claims77 (1985–2024)
Claims Outside the SFHA56 of 77
Most Recent ClaimJan 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCLAY TOWNSHIP
serves 9,866 people · EPA ID MI0001450
Water SourcePurchased surface water from CITY OF ALGONAC
Last State InspectionMay 2021
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 249 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Starlink
Satellite		280 / 30

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