St. Clair County property record for 8286 Morrow Rd, Clay, MI 48001
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 9.72 acres (423,490 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Jan 2024) |
| Tax Bill | $3,153 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Nov 2025 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-029-4002-001 |
| Primary APN | 74-14-029-4002-001 |
|---|
| Lot Area | 423,490 sqft (9.72 acres) |
|---|
| Street Address | 8286 MORROW RD |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-3226 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | RS-1 |
| Legal Description | BEG N 2D 32M 51S W 2239.36' FROM S 1/4 COR, TH N 2D 32M 51S W 293.34', TH N 88D 53M 59S W 1346.11', TH S 2D 28M 36S E |
| Legal Range | 16E |
| Legal Township | 03N |
| Legal Section | 29 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 646000 |
Source: St. Clair County records, as of September 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 55381 TREVINO DR, MACOMB, MI 48042-1224 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Dec 27, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU |
| Nov 17, 2025 | Intrafamily Transfer, Transfer · Construction Mortgage LAKE MICHIGAN CU |
| Jan 17, 2024 | Warranty Deed, Transfer ATA NATIONAL TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 17, 2024 · Amount on Record |
| Deed Sale | Jan 17, 2024 · Amount on Record |
| Deed Document Number | 2024953 |
| Deed Book / Page | 5684 / 287 |
| Last Transfer Date | Nov 7, 2025 |
| Transfer Doc | 0005871882 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 8286 MORROW RD, CLAY, MI 48001-3226 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Title Company | ATA NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 55381 TREVINO DR, MACOMB, MI 48042-1224 |
| Document Number | 0005679277 |
|---|---|
| Date | Dec 27, 2023 |
| Book Page | 5679/277 |
| Instrument | 2023022279 |
| Name | MICHIGAN SCHOOLS & GOVERNMENT CU |
|---|---|
| Type | Credit Union |
| Address | CLINTON TOWNSHIP, MI 48038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 9% |
| Index | 1-Year T-Bill |
| Max Rate | 12% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Nov 17, 2025 |
| Property Address | 8286 MORROW RD, CLAY, MI 48001-3226 |
| Document Number | 0005871882 |
| Book / Page | 5871 / 882 |
| Instrument Date | Nov 7, 2025 |
| Instrument | 2025022019 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Title Company | ALLIANCE TITLE COMPANY, ALLIANCE TITLE OF MICHIGAN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 55381 TREVINO DR, MACOMB, MI 48042-1224 |
| Name | Verified Name |
|---|---|
| Address | 55381 TREVINO DR, MACOMB, MI 48042-1224 |
| Document Number | 2025022020 |
|---|---|
| Date | Nov 17, 2025 |
| Instrument | 2025022020 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Dec 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.74% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.7% |
| Index | 1-Year CMT |
| Max Rate | 10.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 17, 2024 |
| Property Address | MORROW RD, ALGONAC, MI 48001 |
| Document Number | 0005684287 |
| Book / Page | 5684 / 287 |
| Instrument Date | Dec 22, 2023 |
| Instrument | 2024000953 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2024 |
| Title Company | ATA NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 135, SAINT CLAIR, MI 48079-0135 |
| Name | Verified Name |
|---|---|
| Address | 55381 TREVINO DR, MACOMB, MI 48042-1224 |
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 | $66,500 (-) | $133,000 (-) | |
| 2025 | $3,153.00 (+0.93%) Homeowner's exemption | $66,500 (+49.77%) | |
| 2024 | $3,124.00 (+681%) | $133,000 (+49.77%) | |
| 2023 | $44,400 | ||
| 2022 | $400.00 | $88,800 |
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.
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.
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.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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