7238 Audubon St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 7238 Audubon St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,613 sqft · built 1967
Lot Size	0.248 acres (10,803 sqft)
Owner	Individual Name on File
Tax Bill	$3,417 (2025)
Deeds & Mortgages	Mar 2023 Transfer Apr 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-14-181-0069-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-181-0069-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,613 sqft Living Area
1st Floor Area	1,613 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Lot Area	10,803 sqft (0.248 acres)
Lot Dimensions	120 ft deep x 90 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7238 AUDUBON ST
City	CLAY
State	MI
Zip	48001-4100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 86 & LOT 85 EXC W 10 FT SUP BLUE WATER ISLES FRAC SECS 1 & 2 T2N R15E
Legal Range	15E
Legal Township	02N
Legal Section	01
Legal Subdivision	SUPRVRS BLUE WATER ISLES
Legal Lot Number	85-86
Legal Unit	86,85
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2009
Census Tract	647000

Owner

7238 Audubon St is owned and occupied by an individual who acquired it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	7238 AUDUBON ST, CLAY, MI 48001-4100
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Intrafamily Transfer, Transfer
Apr 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Oct 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 13, 2023
Transfer Doc	0005603139
Record Updated	Oct 29, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 7, 2023
Property Address	7238 AUDUBON ST, CLAY, MI 48001-4100
Document Number	0005603139
Book / Page	5603 / 139
Instrument Date	Feb 13, 2023
Instrument	2023003649
Transaction Type	Transfer
Record Updated	Apr 6, 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
Address	323 BLUEWOOD DR, ROCKWALL, TX 75087-0360

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7238 AUDUBON ST, CLAY, MI 48001-4100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049360888
Date	Apr 20, 2018
Book Page	4936/888
Instrument	2018008993

Lender

Name	HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2048

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7238 AUDUBON ST, CLAY, MI 48001-4100
Document Number	0048830461
Instrument Date	Oct 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7238 AUDUBON ST CLAY MI 480014100, CLAY, MI 48001-4100

Mortgage

Document Number	0048830461
Date	Oct 26, 2017
Book Page	004883/000461

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 7238 Audubon St was $3,417 with a homeowner's exemption, up 2.3% from the year before.

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		$175,000 (+3.92%)	$350,000
2025	$3,417.00 (+2.27%) Homeowner's exemption	$168,400
2024	$3,341.00		$336,800
2023		$144,000
2022	$3,075.00		$288,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7238 Audubon St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 7238 Audubon St is low, with a 0.01% annual chance of 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 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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