St. Clair County property record for 8638 Stone Rd, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,806 sqft · built 1972 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $398,000 (Jul 2026) |
| Tax Bill | $2,834 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Nov 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-033-1040-000 |
| Primary APN | 74-14-033-1040-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,806 sqft Living Area |
| 1st Floor Area | 1,806 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Lot Area | 217,800 sqft (5 acres) |
| Lot Depth | 1,375 ft Depth |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 8638 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 154.72' OF S 1236.68' OF W 1/2 OF NW 1/4 SECTION 33 T3N R16E 5A |
| 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 |
8638 Stone Rd is owned and occupied by two individuals who bought it in July 2026.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8518 RIVER RD, COTTRELLVILLE, MI 48039-3355 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 23, 2026 | Warranty Deed, Transfer TITLE ONE |
| Nov 26, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2026 · Amount on File |
| Deed Sale | Jul 23, 2026 · Amount on File |
| Deed Document Number | 202614910 |
| Deed Book / Page | 5946 / 933 |
| Prior Transfer Date | Nov 25, 2019 |
| Prior Transfer Doc | 0005125302 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jul 23, 2026 |
| Property Address | 8638 STONE RD, CLAY, MI 48001-3814 |
| Document Number | 0000014910 |
| Book / Page | 5946 / 933 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 202614910 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Title Company | TITLE ONE |
| Amount | Amount on Record |
|---|---|
| Tax | $301,485.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8518 RIVER RD, COTTRELLVILLE, MI 48039-3355 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Nov 26, 2019 |
| Property Address | 8638 STONE RD, CLAY, MI 48001-3814 |
| Document Number | 0051250302 |
| Book / Page | 005125 / 000302 |
| Instrument Date | Nov 25, 2019 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 8638 STONE RD CLAY MI 480013814, CLAY, MI 48001-3814 |
The 2025 property tax bill for 8638 Stone Rd was $2,834 with a homeowner's exemption, up 2.2% from the year before.
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 | $157,600 (+5.42%) | $315,200 | |
| 2025 | $2,834.00 (+2.24%) Homeowner's exemption | $149,500 | |
| 2024 | $2,772.00 | $299,000 | |
| 2023 | $112,700 | ||
| 2022 | $2,554.00 | $225,400 |
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.
FEMA maps place 8638 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 risk around 8638 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.
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 |
5G and 4G LTE (outdoors only)
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