7783 Phillips Dr, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 7783 Phillips Dr, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,648 sqft · built 1976
Lot Size	0.307 acres (13,373 sqft)
Owner	Individual Name on Record
Tax Bill	$5,996 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Apr 2021 Transfer + 3 more
Flood Zone	Zone AE (high risk)
APN	`74-14-172-0012-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-172-0012-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,648 sqft Living Area
1st Floor Area	1,648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	13,373 sqft (0.307 acres)
Lot Dimensions	87.5 ft deep x 75 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7783 PHILLIPS DR
City	CLAY
State	MI
Zip	48001-3029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 47 & OUTLOT A 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	47A
Legal Unit	47,A
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 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	7783 PHILLIPS DR, CLAY, MI 48001-3029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Apr 5, 2021	Intrafamily Transfer, Transfer DEVON TITLE COMPANY, DEVON TITLE AGENCY
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL INC
Jun 25, 2019	Quit Claim Deed, Transfer · Conventional Mortgage MUTUAL MORTGAGE
Feb 25, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 20, 2021
Transfer Doc	0053460395
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7783 PHILLIPS DR, CLAY, MI 48001-3029
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7783 PHILLIPS DR, CLAY, MI 48001-3029

Mortgage

Document Number	0005583574
Date	Dec 7, 2022
Book Page	5583/574
Instrument	2022026837

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 18, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 5, 2021
Property Address	7783 PHILLIPS DR, CLAY, MI 48001-3029
Document Number	0005346395
Book / Page	5346 / 395
Map Reference	LB 69 PG 4
Instrument Date	Mar 20, 2021
Instrument	2021009995
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	508 SAINT CLAIR ST, 508, GROSSE POINTE, MI 48230-1504

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2359 HARVARD RD, BERKLEY, MI 48072-1751

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	7783 PHILLIPS DR, CLAY, MI 48001-3029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 SAINT CLAIR ST, GROSSE POINTE, MI 48230-1504

Mortgage

Document Number	0052590815
Date	Oct 22, 2020
Book Page	5259/815
Instrument	2020026252

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 25, 2019
Property Address	7783 PHILLIPS DR, CLAY, MI 48001-3029
Document Number	0005069465
Book / Page	5069 / 465
Map Reference	LB 69 PG 4
Instrument Date	Jun 19, 2019
Instrument	2019012897
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	508 SAINT CLAIR ST, 508, GROSSE POINTE, MI 48230-1504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 SAINT CLAIR ST, GROSSE POINTE, MI 48230-1504

Mortgage

Document Number	2019012898
Date	Jun 25, 2019
Instrument	2019012898

Lender

Name	MUTUAL MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 25, 2019
Property Address	7783 PHILLIPS DR, CLAY, MI 48001-3029
Document Number	0050330337
Book / Page	005033 / 000337
Instrument Date	Feb 20, 2019
Transaction Type	Transfer
Record Updated	Mar 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	21725 E 8 MILE RD ST CLAIR SHORES MI 480802319, ST CLAIR SHORES, MI 48080-2319

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		$274,200 (+7.78%)	$548,400 (+7.78%)
2025	$5,996.00 (+2.29%) Homeowner's exemption	$254,400 (+10.8%)
2024	$5,862.00 (+9.26%)		$508,800 (+10.8%)
2023		$229,600
2022	$5,365.00		$459,200

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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