828 Clay St, Algonac, MI 48001 Property Records

St. Clair County property record for 828 Clay St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,344 sqft
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Jan 2018)
Tax Bill	$2,646 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-01-105-0045-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-105-0045-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	896 sqft
Basement Area	1,792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	120 ft deep x 130 ft wide
Garage Area	880 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	828 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	LOTS 1 & 2 BLK 24 INCL W 1/2 OF VAC ALLEY ADJ MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	VILLAGE OF ALGONAC
Legal Block	24
Legal Lot Number	1-2
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	2
Census Block	2021
Census Tract	649000

Owner

828 Clay St is owned and occupied by an individual who acquired it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	828 CLAY ST, ALGONAC, MI 48001-1405
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FILOMORTGAGE LLC
Jan 29, 2018	Warranty Deed, Transfer · Conventional with PMI MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2018 · Amount on File
Deed Sale	Jan 29, 2018 · Amount on File
Deed Document Number	20182140
Last Transfer Date	Dec 4, 2021
Transfer Doc	0005463873
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 14, 2021
Property Address	828 CLAY ST, ALGONAC, MI 48001-1405
Document Number	0005463873
Book / Page	5463 / 873
Map Reference	LB F PG 51
Instrument Date	Dec 4, 2021
Instrument	2021035027
Transaction Type	Transfer
Record Updated	Jan 25, 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	828 CLAY ST, ALGONAC, MI 48001-1405

Mortgage

Document Number	2021035028
Date	Dec 14, 2021
Instrument	2021035028

Lender

Name	FILOMORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 29, 2018
Property Address	828 CLAY ST, ALGONAC, MI 48001-1405
Document Number	0049120218
Book / Page	004912 / 000218
Instrument Date	Jan 17, 2018
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	CISLO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 MARKET ST ALGONAC MI 480011607, ALGONAC, MI 48001-1607

Mortgage

Document Number	49120220
Date	Jan 29, 2018
Book Page	004912/000220

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 828 Clay St was $2,646 with a homeowner's exemption, up 2% from the year before.

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		$96,400 (+3.1%)	$192,800
2025	$2,646.00 (+2.04%) Homeowner's exemption	$93,500
2024	$2,593.00		$187,000
2023		$76,600
2022	$2,308.00		$153,200

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

Flood

FEMA maps place 828 Clay St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1984.

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

Wildfire risk around 828 Clay St is low, with 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 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.

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