7284 Riverside Dr, Clay (Algonac), MI 48001 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,561 sqft · built 1973
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on File
Last Sale	$206,500 (Jul 2022)
Tax Bill	$4,749 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-235-0097-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-235-0097-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,561 sqft Living Area
1st Floor Area	1,561 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	9,017 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7284 RIVERSIDE DR
City	CLAY
State	MI
Zip	48001-4248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 173 PLAT NO 2 COLONY ISLES SUBD FRAC SEC 1 T2N R15E
Legal Range	15E
Legal Township	02N
Legal Section	01
Legal Subdivision	COLONY ISLES SUBD
Legal Lot Number	173
Legal Unit	173
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2015
Census Tract	647000

Owner

7284 Riverside Dr is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	7284 RIVERSIDE DR, CLAY, MI 48001-4248
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
Jul 1, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Oct 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2022 · Amount on File
Deed Sale	Jul 1, 2022 · Amount on File
Prior Sale	Aug 15, 2016 · Amount on File
Deed Document Number	202216000
Deed Book / Page	5538 / 396
Prior Transfer Date	Oct 16, 2020
Prior Transfer Doc	0000526334
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 1, 2022
Property Address	7284 RIVERSIDE DR, CLAY, MI 48001-4248
Document Number	0005538396
Book / Page	5538 / 396
Map Reference	LB 73 PG 4-6
Instrument Date	May 27, 2022
Instrument	2022016000
Transaction Type	Transfer
Record Updated	Jul 14, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,548.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7284 RIVERSIDE DR, 7284, CLAY, MI 48001-4248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7284 RIVERSIDE DR, CLAY, MI 48001-4248

Mortgage

Document Number	2022016001
Date	Jul 1, 2022
Instrument	2022016001

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2052

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 28, 2020
Property Address	7284 RIVERSIDE DR, CLAY, MI 48001-4248
Document Number	0000526334
Book / Page	5263 / 34
Map Reference	LB 73 PG 4-6
Instrument Date	Oct 16, 2020
Instrument	2020026809
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE GROUP

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	7284 RIVERSIDE DR, CLAY, MI 48001-4248

Mortgage

Document Number	2020026810
Date	Oct 28, 2020
Instrument	2020026810

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 7284 Riverside Dr was $4,749 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		$160,900 (+4.75%)	$321,800
2025	$4,749.00 (+2.28%) Homeowner's exemption	$153,600
2024	$4,643.00		$307,200
2023		$128,200
2022	$3,948.00		$256,400

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

Flood

FEMA maps place 7284 Riverside Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 Riverside Dr 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

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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