7844 Stark Dr, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 7844 Stark Dr, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,229 sqft
Lot Size	0.138 acres (6,011 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jul 2018)
Tax Bill	$3,735 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-14-496-0094-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-496-0094-000`

Interior

Full Baths	1 Bath
Building Area	1,229 sqft Living Area
1st Floor Area	1,229 sqft

Exterior

Lot Area	6,011 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	372 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7844 STARK DR
City	CLAY
State	MI
Zip	48001-3030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	E 1/2 OF LOT 974 & ALL OF LOT 975 SUPERVISOR ROY T GILBERT'S PLAT NO 12 AS RECORDED IN LIBER 49 OF PLATS PGS 35-36 ST CLAIR
Legal Range	15E
Legal Township	03N
Legal Section	25
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #12
Legal Lot Number	974-975
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1001
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	7844 STARK DR, CLAY, MI 48001-3030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2018 · Amount on Record
Deed Sale	Jul 18, 2018 · Amount on Record
Prior Sale	May 1, 2012 · Amount on Record
Deed Document Number	201816291
Deed Book / Page	4969 / 5
Prior Transfer Date	Sep 8, 2011
Prior Transfer Doc	004184/378
Record Updated	Oct 29, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 18, 2018
Property Address	7844 STARK DR, CLAY, MI 48001-3030
Document Number	0049690005
Book / Page	004969 / 000005
Instrument Date	Jul 3, 2018
Transaction Type	Transfer
Record Updated	Sep 17, 2018
Title Company	GREATER MACOMB TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,236.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7844 STARK DR CLAY MI 480013030, CLAY, MI 48001-3030

Mortgage

Document Number	49690007
Date	Jul 18, 2018
Book Page	004969/000007

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2048

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		$159,800 (+5.69%)	$319,600 (+5.69%)
2025	$3,735.00 (+2.27%) Homeowner's exemption	$151,200 (+21.35%)
2024	$3,652.00 (+8.69%)		$302,400 (+21.35%)
2023		$124,600
2022	$3,360.00		$249,200

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 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	IRA TOWNSHIP serves 6,510 people · EPA ID MI0003390
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	1 ppb (2024–2026) 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T DSL	100 / 20