St. Clair County property record for 7846 Stark Dr, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 5,046 sqft |
| Lot Size | 0.218 acres (9,496 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $136,500 (Jan 2014) |
| Tax Bill | $3,829 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Jan 2022 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-496-0096-001 |
| Primary APN | 74-14-496-0096-001 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 5,046 sqft Living Area |
| 1st Floor Area | 3,606 sqft |
| Lot Area | 9,496 sqft (0.218 acres) |
|---|---|
| Lot Dimensions | 100 ft deep x 95 ft wide |
| Garage Area | 1,482 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7846 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 | LOTS 977, 978 & W 15' OF LOT 979 MEASURED ALONG N & S LINES OF SAID LOT 979 SUPERVISOR ROY T GILBERT'S PLAT NO 12 AS RECORDED |
| Legal Subdivision | SUPERVISOR ROY T GILBERTS PLAT #12 |
| Legal Lot Number | 977-979 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 647000 |
Source: St. Clair County records, as of October 21, 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 | 7846 STARK DR, CLAY, MI 48001-3030 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 9, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Jan 5, 2022 | Deed of Trust, Mortgage ROCKET MORTGAGE LLC |
| Mar 5, 2018 | Quit Claim Deed, Transfer HUNTINGTON NAT'L BK |
| Dec 26, 2017 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 7, 2014 · Amount on Record |
| Deed Sale | Jan 7, 2014 · Amount on Record |
| Prior Sale | Jan 31, 2013 · Amount on Record |
| Deed Document Number | 2014219 |
| Deed Book / Page | 4472 / 867 |
| Last Transfer Date | Feb 4, 2018 |
| Transfer Doc | 2018004819 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Oct 9, 2026 |
| Property Address | 7846 STARK DR, CLAY, MI 48001-3030 |
| Document Number | 0000020691 |
| Book / Page | 5973 / 498 |
| Instrument Date | Oct 4, 2026 |
| Instrument | 202620691 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 7846 STARK DR, CLAY, MI 48001-3030 |
| Document Number | 0000020691, |
|---|---|
| Date | Oct 9, 2026 |
| Book Page | 5973/498 |
| Instrument | 202620691 |
| Name | COASTAL COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 7846 STARK DR, CLAY, MI 48001-3030 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 7846 STARK DR, CLAY, MI 48001-3030 |
| Document Number | 0005471763 |
|---|---|
| Date | Jan 5, 2022 |
| Book Page | 5471/763 |
| Instrument | 2022000309 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Mar 5, 2018 |
| Property Address | 7846 STARK DR, CLAY, MI 48001-3030 |
| Document Number | 0049220449 |
| Book / Page | 004922 / 000449 |
| Instrument Date | Feb 4, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2019 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7846 STARK DR CLAY MI 480013030, CLAY, MI 48001-3030 |
| Document Number | 49220453 |
|---|---|
| Date | Mar 5, 2018 |
| Book Page | 004922/000453 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 4, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Dec 26, 2017 |
| Property Address | 7846 STARK DR, CLAY, MI 48001-3030 |
| Document Number | 0049020068 |
| Book / Page | 004902 / 000068 |
| Instrument Date | Dec 5, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 7846 STARK DR CLAY MI 480013030, CLAY, MI 48001-3030 |
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 | $265,800 (+3.02%) | $531,600 (+3.02%) | |
| 2025 | $3,829.00 (+2.41%) Homeowner's exemption | $258,000 (+60.05%) | |
| 2024 | $3,739.00 (+36.96%) | $516,000 (+60.05%) | |
| 2023 | $161,200 | ||
| 2022 | $2,730.00 | $322,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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