7764 Phillips Dr, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 7764 Phillips Dr, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,612 sqft · built 1978
Lot Size	0.188 acres (8,189 sqft)
Owner	Individual Name on Record
Last Sale	$207,000 (Oct 2011)
Tax Bill	$2,564 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Nov 2020 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`74-14-172-0020-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-172-0020-000`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Building Area	2,612 sqft Living Area
1st Floor Area	2,612 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	8,189 sqft (0.188 acres)
Lot Dimensions	117 ft deep x 70 ft wide
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7764 PHILLIPS DR
City	CLAY
State	MI
Zip	48001-3028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 55 BAY VIEW SHORES NO 2 SEC 25 T3N R15E
Legal Range	15E
Legal Township	03N
Legal Section	25
Legal Subdivision	BAY VIEW SHORES #2
Legal Lot Number	55
Legal Unit	55
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1005
Census Tract	647000

Owner

Source: St. Clair County records, as of March 9, 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	7764 PHILLIPS DR, CLAY, MI 48001-3028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC
Mar 3, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jul 20, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOV'T CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2011 · Amount on Record
Deed Sale	Oct 5, 2011 · Amount on Record
Deed Document Number	201125659
Deed Book / Page	4187 / 737
Prior Transfer Date	Sep 14, 2004
Prior Transfer Doc	003277/620
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7764 PHILLIPS DR, CLAY, MI 48001-3028
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7764 PHILLIPS DR, CLAY, MI 48001-3028

Mortgage

Document Number	533466
Date	Mar 12, 2021
Book Page	5334/66
Instrument	2021007367

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7764 PHILLIPS DR, CLAY, MI 48001-3028
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7764 PHILLIPS DR, CLAY, MI 48001-3028

Mortgage

Document Number	0052780664
Date	Nov 25, 2020
Book Page	5278/664
Instrument	2020029900

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7764 PHILLIPS DR, CLAY, MI 48001-3028
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051590001
Date	Mar 3, 2020
Book Page	5159/1
Instrument	2020005412

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 14, 2050

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 20, 2021
Property Address	7764 PHILLIPS DR, CLAY, MI 48001-3028
Document Number	5395367
Book / Page	5395 / 367
Instrument Date	Feb 4, 2021
Instrument	2021020853
Transaction Type	Transfer
Record Updated	Aug 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7764 PHILLIPS DR, 7764, CLAY, MI 48001-3028

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7764 PHILLIPS DR, CLAY, MI 48001-3028

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7764 PHILLIPS DR, CLAY, MI 48001-3028
Document Number	0051230428
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Dec 6, 2019
Title Company	BEST HOME TITLE, BEST HM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7764 PHILLIPS DR CLAY MI 480013028, CLAY, MI 48001-3028

Mortgage

Document Number	0051230428
Date	Nov 21, 2019
Book Page	005123/000428

Lender

Name	MICHIGAN SCHOOLS & GOV'T CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2049

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

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
2025	$2,564.00 (-44.47%) Homeowner's exemption	$229,000 (+13.37%)
2024	$4,617.00 (+9.88%)		$458,000 (+13.37%)
2023		$202,000
2022	$4,202.00		$404,000

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

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 151 policies
Nearby Flood Policies	151 in force
Nearby Flood Claims	144 (1979–2025)
Claims Outside the SFHA	31 of 144
Most Recent Claim	Apr 2025 · river or lake flooding

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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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