7284 Audubon St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 7284 Audubon St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,773 sqft · built 1987
Lot Size	0.175 acres (7,623 sqft)
Owner	Trust Name on File
Tax Bill	$3,436 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2025 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-14-181-0050-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-181-0050-000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,773 sqft Living Area
1st Floor Area	1,121 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	7,623 sqft (0.175 acres)
Lot Dimensions	127 ft deep x 60 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7284 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 63 & LOT 64 EXC E 40 FT SUP BLUE WATER ISLES FRAC SECS 1 & 2 T2N R15E
Legal Range	15E
Legal Township	02N
Legal Section	01
Legal Subdivision	BLUE WATER ISLES
Legal Lot Number	63-64
Legal Unit	63,64
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2009
Census Tract	647000

Owner

7284 Audubon St is owner-occupied and held in a trust since June 2017.

Source: St. Clair County records, as of October 21, 2026

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

Owner of Record	Trust Name on File
Mailing Address	7284 AUDUBON ST, CLAY, MI 48001-4100
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · Line of Credit NORTHSTAR BANK
Oct 9, 2025	Intrafamily Transfer, Transfer
Jun 26, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 22, 2017
Transfer Doc	004843/305
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 15, 2026
Property Address	7284 AUDUBON ST, CLAY, MI 48001-4100
Document Number	0000018754
Book / Page	5964 / 876
Instrument Date	Sep 4, 2026
Instrument	202618754
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	7284 AUDUBON ST, CLAY, MI 48001-4100

Mortgage

Document Number	0000018754,
Date	Sep 15, 2026
Book Page	5964/876
Instrument	202618754

Lender

Name	NORTHSTAR BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 9, 2025
Property Address	7284 AUDUBON ST, CLAY, MI 48001-4100
Document Number	0005859654
Book / Page	5859 / 654
Instrument Date	Dec 8, 2020
Instrument	2025019247
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7284 AUDUBON ST, CLAY, MI 48001-4100

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 26, 2017
Property Address	7284 AUDUBON ST, CLAY, MI 48001-4100
Document Number	0048430305
Book / Page	004843 / 000305
Instrument Date	Jun 22, 2017
Transaction Type	Transfer
Record Updated	Jul 21, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7284 AUDUBON ST CLAY MI 480014100, CLAY, MI 48001-4100

Tax Assessment & Valuation

The 2025 property tax bill for 7284 Audubon St was $3,436 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		$192,400 (+7.19%)	$384,800
2025	$3,436.00 (+2.26%) Homeowner's exemption	$179,500
2024	$3,360.00		$359,000
2023		$150,500
2022	$3,092.00		$301,000

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

Flood

FEMA maps place 7284 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 7284 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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