St. Clair County property record for 7863 Stark Dr, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,059 sqft · built 1930 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Last Sale | $72,000 (Feb 2021) |
| Tax Bill | $2,565 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Feb 2021 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-496-0107-000 |
| Primary APN | 74-14-496-0107-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,059 sqft Living Area |
| 1st Floor Area | 873 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 5,009 sqft (0.115 acres) |
| Lot Dimensions | 125 ft deep x 40 ft wide |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 7863 STARK DR |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-3031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | W 40 FT OF E 618.83 FT OF LOT 988, MEAS ALG N LOT LINE, E & W LINES AT RT ANG TO N LOT LINE EXC N 15 FT SUPERVISOR ROY T |
| Legal Range | 15E |
| Legal Township | 03N |
| Legal Section | 25 |
| Legal Subdivision | SUPERVISOR ROY T GILBERTS PLAT #12 |
| Legal Lot Number | 988 |
| Legal Unit | 988 |
| 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 September 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7863 STARK DR, CLAY, MI 48001-3031 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU |
| Feb 25, 2021 | Warranty Deed, Transfer VANGUARD TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 25, 2021 · Amount on File |
| Deed Sale | Feb 25, 2021 · Amount on File |
| Deed Document Number | 20215615 |
| Deed Book / Page | 5325 / 646 |
| Prior Transfer Date | May 13, 2009 |
| Prior Transfer Doc | 003945/899 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 7863 STARK DR, CLAY, MI 48001-3031 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Name | Verified Name |
|---|---|
| Address | 7863 STARK DR, CLAY, MI 48001-3031 |
| Document Number | 0053190944 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 5319/944 |
| Instrument | 2021004665 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Feb 25, 2021 |
| Property Address | 7863 STARK DR, CLAY, MI 48001-3031 |
| Document Number | 0005325646 |
| Book / Page | 5325 / 646 |
| Map Reference | LB 49 PG 35 |
| Instrument Date | Feb 6, 2021 |
| Instrument | 2021005615 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | VANGUARD TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $540.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2361 LAKESIDE DR, 2361, LEESBURG, FL 34788-8254 |
| Name | Verified Name |
|---|---|
| Address | 7863 STARK DR, CLAY, MI 48001-3031 |
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 | $118,500 (+4.04%) | $237,000 (+4.04%) | |
| 2025 | $2,565.00 (+2.23%) Homeowner's exemption | $113,900 (+17.67%) | |
| 2024 | $2,509.00 (+50.15%) | $227,800 (+17.67%) | |
| 2023 | $96,800 | ||
| 2022 | $1,671.00 | $193,600 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% 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.
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 |
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