7286 Audubon St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 7286 Audubon St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,140 sqft · built 1959
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Nov 2021)
Tax Bill	$6,326 (2025)
Deeds & Mortgages	Nov 2021 Sale May 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`74-14-181-0049-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-181-0049-000`

Interior

Full Baths	1 Bath
Building Area	2,140 sqft Living Area
1st Floor Area	2,140 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	131 ft deep x 60 ft wide
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7286 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 62 & E 10 FT OF LOT 61 SUP BLUE WATER ISLES FRAC SEC 1 & 2 T2N R15E
Legal Range	15E
Legal Township	02N
Legal Section	01
Legal Subdivision	SUPRVRS BLUE WATER ISLES
Legal Lot Number	61-62
Legal Unit	62,61
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2009
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	7286 AUDUBON ST, CLAY, MI 48001-4100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
May 3, 2019	Deed of Trust, Mortgage GENISYS CU
Mar 29, 2019	Warranty Deed, Transfer NOT AVAILABLE
Mar 29, 2017	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2021 · Amount on Record
Deed Sale	Nov 2, 2021 · Amount on Record
Prior Sale	Mar 29, 2019 · Amount on Record
Deed Document Number	202130897
Deed Book / Page	5443 / 973
Prior Transfer Date	Jan 28, 2017
Prior Transfer Doc	004812/855
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 2, 2021
Property Address	7286 AUDUBON ST, CLAY, MI 48001-4100
Document Number	0005443973
Book / Page	5443 / 973
Map Reference	LB 54 PG 36
Instrument Date	Sep 14, 2021
Instrument	2021030897
Transaction Type	Transfer
Record Updated	Jan 19, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7286 AUDUBON ST, 7286, CLAY, MI 48001-4100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7286 AUDUBON ST, CLAY, MI 48001-4100

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7286 AUDUBON ST, CLAY, MI 48001-4100
Document Number	0050560774
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	May 24, 2019
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7286 AUDUBON ST CLAY MI 480014100, CLAY, MI 48001-4100

Mortgage

Document Number	0050560774
Date	May 15, 2019
Book Page	005056/000774

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 14, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 29, 2019
Property Address	7286 AUDUBON ST, CLAY, MI 48001-4100
Document Number	0050410811
Book / Page	005041 / 000811
Instrument Date	Aug 3, 2018
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$946.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7286 AUDUBON ST CLAY MI 480014100, CLAY, MI 48001-4100

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 29, 2017
Property Address	7286 AUDUBON ST, CLAY, MI 48001-4100
Document Number	0048120855
Book / Page	004812 / 000855
Instrument Date	Jan 28, 2017
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	7286 AUDUBON ST CLAY MI 480014100, CLAY, MI 48001-4100

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		$228,600 (+8.7%)	$457,200 (+8.7%)
2025	$6,326.00 (+2.33%) Homeowner's exemption	$210,300 (+20.45%)
2024	$6,182.00 (+7.93%)		$420,600 (+20.45%)
2023		$174,600
2022	$5,728.00		$349,200

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	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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