7218 Harbor Dr, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 7218 Harbor Dr, Clay, MI 48001

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,157 sqft · built 1991
Owner	Individual Name on Record
Last Sale	$275,000 (Sep 2022)
Tax Bill	$4,123 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-14-920-0010-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-920-0010-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,157 sqft Living Area
1st Floor Area	565 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Condo/Apartment
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7218 HARBOR DR
City	CLAY
State	MI
Zip	48001-4211
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM
Legal Description	UNIT 10 RIVER HAMLET CONDOMINIUMS ST CLAIR COUNTY CONDOMINIUM PLAN NO. 89 RECORDED 2-8-91 IN LIBER 1247 PAGES 494 TO 537
Legal Subdivision	ST CLAIR COUNTY CONDOMINIUM
Legal Unit	10
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2015
Census Tract	647000

Owner

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	7218 HARBOR DR, CLAY, MI 48001-4211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Warranty Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU
Nov 16, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2022 · Amount on Record
Deed Sale	Sep 30, 2022 · Amount on Record
Prior Sale	Nov 9, 2015 · Amount on Record
Deed Document Number	202222569
Deed Book / Page	5566 / 91
Prior Transfer Date	Oct 7, 2014
Prior Transfer Doc	004544/378
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 30, 2022
Property Address	7218 HARBOR DR, CLAY, MI 48001-4211
Document Number	0000556691
Book / Page	5566 / 91
Map Reference	LB 1247 PG 494-537
Instrument Date	Sep 12, 2022
Instrument	2022022569
Transaction Type	Transfer
Record Updated	Oct 14, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	53796 COLETTE CT, 53796, CHESTERFIELD, MI 48051-1541

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	170 HIGH BLUFF RD, HILTON HEAD ISLAND, SC 29926-1891

Mortgage

Document Number	0005561659
Date	Sep 15, 2022
Book Page	5561/659
Instrument	2022021467

Lender

Name	STAUNTON FINANCIAL INC
Type	Non-Lending Institution
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7218 HARBOR DR, CLAY, MI 48001-4211
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53796 COLETTE CGT, CHESTERFIELD, MI 48051

Mortgage

Document Number	0005280221
Date	Nov 30, 2020
Book Page	5280/221
Instrument	2020030222

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 16, 2021
Property Address	7218 HARBOR DR, CLAY, MI 48001-4211
Document Number	0005449877
Book / Page	5449 / 877
Map Reference	LB 1247 PG 494-537
Instrument Date	Jun 29, 2021
Instrument	2021032205
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	53796 COLETTE CT, CHESTERFIELD, MI 48051-1541

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Clay Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$132,900 (+6.32%)	$265,800 (+6.32%)
2025	$4,123.00 (+2.28%) Homeowner's exemption	$125,000 (+11.51%)
2024	$4,031.00 (+8.8%)		$250,000 (+11.51%)
2023		$112,100
2022	$3,705.00		$224,200

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	579.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 249 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harbor Dr

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