St. Clair County property record for 7889 Stark Dr, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,947 sqft |
| Lot Size | 0.166 acres (7,231 sqft) |
| Owner | Company Name on Record |
| Last Sale | $235,000 (Sep 2016) |
| Tax Bill | $4,026 (2025) |
| Deeds & Mortgages | Jun 2023 Transfer Jul 2022 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-496-0114-000 |
| Primary APN | 74-14-496-0114-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,947 sqft Living Area |
| 1st Floor Area | 1,409 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 7,231 sqft (0.166 acres) |
|---|---|
| Lot Dimensions | 125 ft deep x 58 ft wide |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7889 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 58' OF E 928.83' OF LOT 988, MEAS ALG N LOT LINE, E & W LINES AT RT ANG TO N LOT LINE EXC N 15' SUPERVISOR ROY T GILBERT'S |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 7889 STARK DR, CLAY, MI 48001-3031 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Jun 7, 2023 | Intrafamily Transfer, Transfer |
| Jul 26, 2022 | Deed of Trust, Mortgage · Line of Credit ADVIA CU |
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ST JAMES MORTGAGE CORP |
| Jun 28, 2017 | Deed of Trust, Mortgage · Conventional with PMI VGCS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2016 · Amount on Record |
| Deed Sale | Sep 26, 2016 · Amount on Record |
| Prior Sale | Aug 2, 2010 · Amount on Record |
| Deed Document Number | 201621052 |
| Deed Book / Page | 4751 / 819 |
| Prior Transfer Date | Aug 31, 2010 |
| Prior Transfer Doc | 004073/901 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jun 7, 2023 |
| Property Address | 7889 STARK DR, CLAY, MI 48001-3031 |
| Document Number | 0005627515 |
| Book / Page | 5627 / 515 |
| Map Reference | LB 49 PG 35 |
| Instrument Date | May 31, 2023 |
| Instrument | 2023010163 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 790 STARK DRIVE, ALGONAC, MI 48001 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 7889 STARK DR, CLAY, MI 48001-3031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 7889 STARK DR, CLAY, MI 48001-3031 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7889 STARK DR, CLAY, MI 48001-3031 |
| Document Number | 0005545869 |
|---|---|
| Date | Jul 26, 2022 |
| Book Page | 5545/869 |
| Instrument | 2022017754 |
| Name | ADVIA CU |
|---|---|
| Type | Credit Union |
| Address | FERNDALE, MI 48220 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 25, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 7889 STARK DR, CLAY, MI 48001-3031 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CISLO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 7889 STARK DR, CLAY, MI 48001-3031 |
| Document Number | 0052650915 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 5265/915 |
| Instrument | 2020027337 |
| Name | ST JAMES MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | BLOOMFIELD HILLS, MI 48304 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 7889 STARK DR, CLAY, MI 48001-3031 |
| Document Number | 0048730371 |
| Book / Page | 004873 / 000371 |
| Instrument Date | Jun 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7889 STARK DR CLAY MI 480013031, CLAY, MI 48001-3031 |
| Document Number | 0048730371 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 004873/000371 |
| Name | VGCS INC |
|---|---|
| Address | 17375 COLLINS AVE # 2202, SUNNY ISLES BEACH, FL 33160-3410 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
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 | $217,600 (+6.25%) | $435,200 (+6.25%) | |
| 2025 | $4,026.00 (+2.29%) Homeowner's exemption | $204,800 (+18.72%) | |
| 2024 | $3,936.00 (+8.73%) | $409,600 (+18.72%) | |
| 2023 | $172,500 | ||
| 2022 | $3,620.00 | $345,000 |
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 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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