8610 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8610 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,680 sqft
Lot Size	8.9 acres (387,684 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Jan 2015)
Tax Bill	$3,789 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-033-1038-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-033-1038-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Lot Area	387,684 sqft (8.9 acres)
Lot Dimensions	1,378 ft deep x 275 ft wide
Garage Area	2,316 sqft
Parking Spaces	8 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8610 STONE RD
City	CLAY
State	MI
Zip	48001-3814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	N 274.82' OF S 1666.26' OF W 1/2 OF NW 1/4 SECTION 33 T3N R16E 8.9A
Legal Range	16E
Legal Township	03N
Legal Section	33
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	4
Census Block	4011
Census Tract	646000

Owner

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	Individual Name on Record
Mailing Address	8610 STONE RD, CLAY, MI 48001-3814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Jan 15, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2015 · Amount on Record
Deed Sale	Jan 28, 2015 · Amount on Record
Deed Document Number	20152282
Deed Book / Page	4573 / 587
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8610 STONE RD, CLAY, MI 48001-3814
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8610 STONE RD, CLAY, MI 48001-3814

Mortgage

Document Number	0053050164
Date	Jan 21, 2021
Book Page	5305/164
Instrument	2021001817

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8610 STONE RD, CLAY, MI 48001-3814
Document Number	0051450328
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8610 STONE RD CLAY MI 480013814, CLAY, MI 48001-3814

Mortgage

Document Number	0051450328
Date	Jan 24, 2020
Book Page	005145/000328

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2050

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		$178,700 (+4.32%)	$357,400 (+4.32%)
2025	$3,789.00 (+2.27%) Homeowner's exemption	$171,300 (+26.98%)
2024	$3,705.00 (+12.31%)		$342,600 (+26.98%)
2023		$134,900
2022	$3,299.00		$269,800

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 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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