7312 Audubon St, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 7312 Audubon St, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,432 sqft
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Tax Bill	$3,755 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`74-14-181-0045-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-181-0045-000`

Interior

Full Baths	2 Baths
Building Area	2,432 sqft Living Area
1st Floor Area	1,660 sqft

Exterior

Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	136 ft deep x 61 ft wide
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7312 AUDUBON ST
City	CLAY
State	MI
Zip	48001-4102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 56 & W 10 FT OF LOT 57 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	56-57
Legal Unit	56,57
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2009
Census Tract	647000

Owner

7312 Audubon St is owned and occupied by an individual who acquired it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	7312 AUDUBON ST, CLAY, MI 48001-4102
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
Oct 2, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jul 14, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 11, 2022
Transfer Doc	0005541790
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7312 AUDUBON ST, CLAY, MI 48001-4102
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7312 AUDUBON ST, CLAY, MI 48001-4102

Mortgage

Document Number	0000058571
Date	Oct 2, 2025
Book Page	5857/1
Instrument	2025018743

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	5555 CLEVELAND AVE, COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Term	359 Months
Due	Sep 24, 2055

Interest

Change Frequency	Monthly

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 14, 2022
Property Address	7312 AUDUBON ST, CLAY, MI 48001-4102
Document Number	0005541790
Book / Page	5541 / 790
Map Reference	LB 54 PG 36
Instrument Date	Jul 11, 2022
Instrument	2022016791
Transaction Type	Transfer
Record Updated	Jul 26, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7312 AUDUBON ST, 7312, CLAY, MI 48001-4102

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	7312 AUDUBON ST, CLAY, MI 48001-4102

Tax Assessment & Valuation

The 2025 property tax bill for 7312 Audubon St was $3,755 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		$231,200 (+8.95%)	$462,400
2025	$3,755.00 (+2.29%) Homeowner's exemption	$212,200
2024	$3,671.00		$424,400
2023		$175,300
2022	$3,378.00		$350,600

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

Flood

FEMA maps place 7312 Audubon St 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 7312 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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