7276 Audubon St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 7276 Audubon St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,140 sqft · built 1960
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Jul 2023)
Tax Bill	$4,990 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-14-181-0053-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-181-0053-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,140 sqft Living Area
1st Floor Area	1,140 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	425 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7276 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	E 20 FT OF LOT 66 & LOT 67 EXC E 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	66-67
Legal Unit	66,67
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2009
Census Tract	647000

Owner

7276 Audubon St is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	7276 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
Jan 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage THE LOAN STORE INC
Jun 23, 2023	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC
Jul 14, 2023	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2023 · Amount on File
Deed Sale	Jul 14, 2023 · Amount on File
Deed Document Number	202312526
Deed Book / Page	5637 / 710
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7276 AUDUBON ST, CLAY, MI 48001-4100
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2250 HAWKINS ST, CHARLOTTE, NC 28203-4906

Mortgage

Document Number	0005891751
Date	Jan 26, 2026
Book Page	5891/751
Instrument	2026001634

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	6340 N CAMPBELL AVE STE 100, TUCSON, AZ 85718

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7276 AUDUBON ST, CLAY, MI 48001-4100
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5038 JULIA LN, MC KEES ROCKS, PA 15136-1564

Mortgage

Document Number	0005631674
Date	Jun 23, 2023
Book Page	5631/674
Instrument	2023011141

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 14, 2023
Property Address	7276 AUDUBON ST, CLAY, MI 48001-4100
Document Number	0005637710
Book / Page	5637 / 710
Map Reference	LB 54 PG 36
Instrument Date	Jun 22, 2023
Instrument	2023012526
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$1,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7276 AUDUBON ST, CLAY, MI 48001-4100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5038 JULIA LN, MC KEES ROCKS, PA 15136-1564

Tax Assessment & Valuation

The 2025 property tax bill for 7276 Audubon St was $4,990, up 56.3% 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		$103,800 (+4.85%)	$207,600
2025	$4,990.00 (+56.33%) Homeowner's exemption	$99,000
2024	$3,192.00		$198,000
2023		$98,800
2022	$2,188.00		$197,600

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

Flood

FEMA maps place 7276 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 7276 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	Direct burnable vegetation

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 234 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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