8635 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8635 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,512 sqft · built 1965
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on Record
Last Sale	$187,000 (Nov 2018)
Tax Bill	$3,107 (2025)
Deeds & Mortgages	Nov 2018 Sale & Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-033-1019-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-033-1019-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	28,314 sqft (0.65 acres)
Lot Depth	208 ft Depth
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8635 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	S 127.25' OF N 1679.29' OF W 353' LYING E OF STONE RD, OF NW 1/4 EXC N 55' OF W 300' 0.65 A FRAC SEC 33 T3N R16E
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

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	8635 STONE RD, CLAY, MI 48001-3815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2018	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN SCHOOLS & GOV'T CU
May 11, 2018	Deed of Trust, Mortgage FPMC REALTY LC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Deed Document Number	201825390
Deed Book / Page	5007 / 953
Record Updated	Oct 29, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 16, 2018
Property Address	8635 STONE RD, CLAY, MI 48001-3815
Document Number	0050070953
Book / Page	005007 / 000953
Instrument Date	Nov 5, 2018
Transaction Type	Transfer
Record Updated	Dec 3, 2018
Title Company	ASK SERVICES INC, ASK SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,608.20
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9199 ISLAND DR CLAY MI 480014410, CLAY, MI 48001-4410

Mortgage

Document Number	50070452
Date	Nov 16, 2018
Book Page	005007/000452

Lender

Name	MICHIGAN SCHOOLS & GOV'T CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2048

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8635 STONE RD, CLAY, MI 48001-3815
Document Number	0049460456
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8635 STONE RD CLAY MI 480013815, CLAY, MI 48001-3815

Mortgage

Document Number	0049460456
Date	May 16, 2018
Book Page	004946/000456

Lender

Name	FPMC REALTY LC
Address	PORT HURON, MI 48060

Agreement

Amount	Amount Recorded

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		$133,600 (+5.86%)	$267,200 (+5.86%)
2025	$3,107.00 (+2.24%) Homeowner's exemption	$126,200 (+19.73%)
2024	$3,039.00 (+8.57%)		$252,400 (+19.73%)
2023		$105,400
2022	$2,799.00		$210,800

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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