8045 Morrow Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8045 Morrow Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,471 sqft · built 2004
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Oct 2013)
Tax Bill	$10,997 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`74-14-029-2021-100`

Property Details

APN / Parcel Number

Primary APN	`74-14-029-2021-100`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Building Area	2,471 sqft Living Area
1st Floor Area	1,977 sqft
Basement Area	1,977 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	217,800 sqft (5 acres)
Garage Area	1,325 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	8045 MORROW RD
City	CLAY
State	MI
Zip	48001-3202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	BEG S 1D W 330' FROM N 1/4 COR, TH S 1D W 220', TH S 88D 31M 8S E 990', TH N 1D E 220', TH N 88D 31M 8S W 990' TO BEG SECTION
Legal Range	16E
Legal Township	02N
Legal Section	29
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	4
Census Block	4001
Census Tract	646000

Owner

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	Individual Name on Record
Mailing Address	8045 MORROW RD, CLAY, MI 48001-3202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BANK OF AMERICA NA
Aug 30, 2021	Warranty Deed, Transfer STERLING TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2013 · Amount on Record
Deed Sale	Oct 4, 2013 · Amount on Record
Prior Sale	Feb 14, 2011 · Amount on Record
Deed Document Number	201327717
Deed Book / Page	4448 / 578
Last Transfer Date	Nov 24, 2021
Transfer Doc	0005468594
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 27, 2021
Property Address	8045 MORROW RD, CLAY, MI 48001-3202
Document Number	0005468594
Book / Page	5468 / 594
Instrument Date	Nov 24, 2021
Instrument	2021035975
Transaction Type	Transfer
Record Updated	Jan 19, 2022
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8045 MORROW RD, CLAY, MI 48001-3202

Mortgage

Document Number	2021035976
Date	Dec 27, 2021
Instrument	2021035976

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 30, 2021
Property Address	8045 MORROW RD, CLAY, MI 48001-3202
Document Number	5414622
Book / Page	5414 / 622
Instrument Date	May 27, 2021
Instrument	2021024846
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	STERLING TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8045 MORROW RD, 8045, CLAY, MI 48001-3202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8045 MORROW RD, CLAY, MI 48001-3202

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Clay Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$409,800 (+6.69%)	$819,600 (+6.69%)
2025	$10,997.00 (+1.85%) Homeowner's exemption	$384,100 (+21.7%)
2024	$10,797.00 (+9.69%)		$768,200 (+21.7%)
2023		$315,600
2022	$9,843.00		$631,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2011 · 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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Duke Broadband Fiber	1,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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