824 Clay St, Algonac, MI 48001 Property Records

St. Clair County property record for 824 Clay St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,500 sqft
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Dec 2012)
Tax Bill	$2,266 (2025)
Deeds & Mortgages	Jun 2022 Second Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-01-105-0049-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-105-0049-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft

Exterior

Architectural Style	Ranch
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	60 ft deep x 130 ft wide
Garage Area	864 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	824 CLAY ST
City	ALGONAC
State	MI
Zip	48001-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 8 BLK 24 & 1/2 OF VAC ALLEY ADJ MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 ST
Legal Range	16E
Legal Township	02N
Legal Section	10
Legal Subdivision	VILLAGE OF ALGONAC
Legal Block	24
Legal Lot Number	8
Legal Unit	8
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	2
Census Block	2021
Census Tract	649000

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	824 CLAY ST, ALGONAC, MI 48001-1405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
May 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2012 · Amount on Record
Deed Sale	Dec 5, 2012 · Amount on Record
Prior Sale	Jun 20, 2012 · Amount on Record
Deed Document Number	201232126
Deed Book / Page	4331 / 547
Last Transfer Date	Apr 10, 2019
Transfer Doc	0000009703
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	824 CLAY ST, ALGONAC, MI 48001-1405
Transaction Type	Mortgage
Record Updated	Jul 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 CLAY ST, ALGONAC, MI 48001-1405

Mortgage

Document Number	0005534377
Date	Jun 22, 2022
Book Page	5534/377
Instrument	2022015111

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	TROY, MI 48098

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2037

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	824 CLAY ST, ALGONAC, MI 48001-1405
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 CLAY ST, ALGONAC, MI 48001-1405

Mortgage

Document Number	5329683
Date	Mar 4, 2021
Book Page	5329/683
Instrument	2021006445

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

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

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 13, 2019
Property Address	824 CLAY ST, ALGONAC, MI 48001-1405
Document Number	0050550392
Book / Page	005055 / 000392
Instrument Date	Apr 10, 2019
Transaction Type	Transfer
Record Updated	May 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	824 CLAY ST ALGONAC MI 480011405, ALGONAC, MI 48001-1405

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Algonac City
County	St. Clair County
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$120,400 (+3.44%)	$240,800 (+3.44%)
2025	$2,266.00 (+2.07%) Homeowner's exemption	$116,400 (+19.26%)
2024	$2,220.00 (+12.46%)		$232,800 (+19.26%)
2023		$97,600
2022	$1,974.00		$195,200

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 Policies	6 in force
Nearby Flood Claims	13 (1984–2021)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Feb 2021 · other causes

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	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ALGONAC serves 4,110 people · EPA ID MI0000110
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 290 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Clay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures