8605 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8605 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,376 sqft
Lot Size	3.84 acres (167,270 sqft)
Owner	Individual Name on File
Tax Bill	$2,703 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-033-1017-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-033-1017-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,376 sqft Living Area
1st Floor Area	1,765 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	167,270 sqft (3.84 acres)
Lot Dimensions	1,114 ft deep x 150 ft wide
Garage Area	1,000 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	8605 STONE RD
City	CLAY
State	MI
Zip	48001-3815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	BEG E 1407.1' & S 1D 13 1/2M W 1133.43' FROM NW SEC COR, TH N 89D 56M 38S E 1114.86', TH S 1D 13 1/2M W 150', TH S 89D 56M
Legal Range	16E
Legal Township	03N
Legal Section	33
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	4
Census Block	4014
Census Tract	646000

Owner

8605 Stone Rd is owned and occupied by an individual who acquired it in August 2013.

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

Owner of Record	Individual Name on File
Mailing Address	8605 STONE RD, CLAY, MI 48001-3815
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 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 14, 2013
Transfer Doc	004447/316
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8605 STONE RD, CLAY, MI 48001-3815
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8605 STONE RD, CLAY, MI 48001-3815

Mortgage

Document Number	0000546867
Date	Dec 27, 2021
Book Page	5468/67
Instrument	2021035898

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8605 STONE RD, CLAY, MI 48001-3815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050990277
Date	Sep 20, 2019
Book Page	5099/277
Instrument	2019019439

Lender

Name	HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 8605 Stone Rd was $2,703 with a homeowner's exemption, up 2.2% from the year before.

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		$147,800 (+6.56%)	$295,600
2025	$2,703.00 (+2.23%) Homeowner's exemption	$138,700
2024	$2,644.00		$277,400
2023		$111,600
2022	$2,440.00		$223,200

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

Flood

FEMA maps place 8605 Stone Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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

Wildfire risk around 8605 Stone Rd 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	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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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