St. Clair County property record for 7846 Lake Dr, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 644 sqft |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Jul 2019) |
| Tax Bill | $3,064 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Jul 2019 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-496-0053-000 |
| Primary APN | 74-14-496-0053-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 644 sqft Living Area |
| 1st Floor Area | 644 sqft |
| Lot Area | 11,979 sqft (0.275 acres) |
|---|---|
| Lot Dimensions | 100 ft deep x 120 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 7846 LAKE DR |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-3024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOTS 920,921 & 922 SUPERVISOR ROY T GILBERT'S PLAT NO 12 AS RECORDED IN LIBER 49 OF PLATS PGS 35-36 ST CLAIR COUNTY REGISTER |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 12-CLAY |
| Legal Lot Number | 920-922 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 647000 |
7846 Lake Dr is owned and occupied by an individual who bought it in July 2019.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7846 LAKE DR, CLAY, MI 48001-3024 |
| 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.
| Date | Document |
|---|---|
| Mar 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EXTRA CU |
| Jul 10, 2019 | Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2019 · Amount on File |
| Deed Sale | Jul 10, 2019 · Amount on File |
| Deed Document Number | 201913927 |
| Deed Book / Page | 5074 / 91 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 7846 LAKE DR, CLAY, MI 48001-3024 |
| Document Number | 0051690050 |
| Instrument Date | Mar 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 7846 LAKE DR CLAY MI 480013024, CLAY, MI 48001-3024 |
| Document Number | 0051690050 |
|---|---|
| Date | Apr 1, 2020 |
| Book Page | 005169/000050 |
| Name | EXTRA CU |
|---|---|
| Type | Credit Union |
| Address | WARREN, MI 48092 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 31, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jul 10, 2019 |
| Property Address | 7846 LAKE DR, CLAY, MI 48001-3024 |
| Document Number | 0050740091 |
| Book / Page | 005074 / 000091 |
| Instrument Date | Jun 28, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2019 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,290.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39742 WEXFORD WARREN MI 48092, WARREN, MI 48092 |
The 2025 property tax bill for 7846 Lake Dr was $3,064 with a homeowner's exemption, up 2.2% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $111,800 (+4.98%) | $223,600 | |
| 2025 | $3,064.00 (+2.24%) Homeowner's exemption | $106,500 | |
| 2024 | $2,997.00 | $213,000 | |
| 2023 | $90,300 | ||
| 2022 | $2,760.00 | $180,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7846 Lake Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 risk around 7846 Lake Dr 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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures