St. Clair County property record for 7911 Stark Dr, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,436 sqft · built 1991 |
| Lot Size | 0.152 acres (6,621 sqft) |
| Owner | Individual Name on File |
| Last Sale | $390,000 (Dec 2018) |
| Tax Bill | $5,643 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-496-0112-000 |
| Primary APN | 74-14-496-0112-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,436 sqft Living Area |
| 1st Floor Area | 1,556 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Lot Area | 6,621 sqft (0.152 acres) |
| Lot Dimensions | 165 ft deep x 40 ft wide |
| Garage Area | 1,084 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7911 STARK DR |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-3033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | W 40 FT OF E 818.83 FT OF LOT 988 EXC N 15 FT SUPERVISOR ROY T GILBERT'S PLAT NO 12 AS RECORDED IN LIBER 49 OF PLATS PGS |
| Legal Subdivision | SUPERVISORS 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 |
7911 Stark Dr is owned and occupied by an individual who bought it in December 2018.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7911 STARK DR, CLAY, MI 48001-3033 |
| 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 1, 2021 | Deed of Trust, Mortgage · Line of Credit EXTRA CU |
| Sep 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP |
| Nov 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2018 · Amount on File |
| Deed Sale | Dec 17, 2018 · Amount on File |
| Prior Sale | Jun 29, 2015 · Amount on File |
| Deed Document Number | 201827494 |
| Deed Book / Page | 5017 / 20 |
| Prior Transfer Date | Feb 12, 2013 |
| Prior Transfer Doc | 004360/999 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 7911 STARK DR, CLAY, MI 48001-3033 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | ATA NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 7911 STARK DR, CLAY, MI 48001-3033 |
| Document Number | 5326354 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 5326/354 |
| Instrument | 2021005792 |
| Name | EXTRA CU |
|---|---|
| Type | Credit Union |
| Address | WARREN, MI 48092 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 28, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 7911 STARK DR, CLAY, MI 48001-3033 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050940518 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 5094/518 |
| Instrument | 2019018380 |
| Name | HALL FINANCIAL GROUP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 7911 STARK DR, CLAY, MI 48001-3033 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 7911 STARK DR, CLAY, MI 48001-3033 |
| Document Number | 0052720372 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 5272/372 |
| Instrument | 2020028692 |
| Name | HALL FINANCIAL GROUP |
|---|---|
| Type | Non-Lending Institution |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 7911 Stark Dr was $5,643 with a homeowner's exemption, up 2.3% 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 | $242,800 (+6.21%) | $485,600 | |
| 2025 | $5,643.00 (+2.32%) Homeowner's exemption | $228,600 | |
| 2024 | $5,515.00 | $457,200 | |
| 2023 | $190,600 | ||
| 2022 | $5,067.00 | $381,200 |
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.
FEMA maps place 7911 Stark 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 7911 Stark Dr is low, with less than 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 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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