8639 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8639 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,723 sqft · built 1978
Lot Size	7.12 acres (310,147 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Sep 2026)
Tax Bill	$4,135 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-033-1019-500`

Property Details

APN / Parcel Number

Primary APN	`74-14-033-1019-500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,723 sqft Living Area
1st Floor Area	1,723 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	310,147 sqft (7.12 acres)
Lot Depth	2,503 ft Depth

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	8639 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 143.25' OF N 1695.29' OF E 2471' OF THAT PART OF N 1/2 LYING E OF CL STONE RD EXC N 127.25' OF W 353' SECTION 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 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	34738 LAKEWOOD DR, CHESTERFIELD, MI 48047-2046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOME MORTGAGE CORPORATION
Sep 11, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION
Aug 4, 2022	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit ADVIA CU
Sep 26, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2026 · Amount on Record
Deed Sale	Sep 11, 2026 · Amount on Record
Prior Sale	Sep 26, 2022 · Amount on Record
Deed Document Number	202618537
Deed Book / Page	5963 / 829
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 8, 2026
Property Address	8639 STONE RD, CLAY, MI 48001-3815
Document Number	0000018163
Book / Page	5962 / 231
Instrument Date	Sep 4, 2026
Instrument	202618163
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34738 LAKEWOOD DR, CHESTERFIELD, MI 48047-2046

Mortgage

Document Number	0000018163,
Date	Sep 8, 2026
Book Page	5962/231
Instrument	202618163

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 11, 2026
Property Address	8639 STONE RD, CLAY, MI 48001-3815
Document Number	0000018537
Book / Page	5963 / 829
Instrument Date	Sep 4, 2026
Instrument	202618537
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	NATIONAL TITLE GROUP, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246,187.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34738 LAKEWOOD DR, CHESTERFIELD, MI 48047-2046

Mortgage

Document Number	0000018163,
Date	Sep 11, 2026
Instrument	202618163

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8639 STONE RD, CLAY, MI 48001-3815
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6880 HOLLAND RD, CLAY, MI 48001-3722

Mortgage

Document Number	0005549209
Date	Aug 4, 2022
Book Page	5549/209
Instrument	2022018518

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Feb 1, 2052

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8639 STONE RD, CLAY, MI 48001-3815
Transaction Type	Mortgage
Record Updated	Nov 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8639 STONE RD, CLAY, MI 48001-3815

Mortgage

Document Number	0005571502
Date	Oct 18, 2022
Book Page	5571/502
Instrument	2022023859

Lender

Name	ADVIA CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 17, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 26, 2022
Property Address	8639 STONE RD, CLAY, MI 48001-3815
Document Number	0005564212
Book / Page	5564 / 212
Instrument Date	Feb 4, 2022
Instrument	2022022085
Transaction Type	Transfer
Record Updated	Oct 14, 2022

Transaction

Amount	Amount Recorded
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8639 STONE RD, 8639, CLAY, MI 48001-3815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6880 HOLLAND RD, CLAY, MI 48001-3722

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		$145,200 (+3.71%)	$290,400 (+3.71%)
2025	$4,135.00 (+2.48%) Homeowner's exemption	$140,000 (+24.78%)
2024	$4,035.00 (+14.05%)		$280,000 (+24.78%)
2023		$112,200
2022	$3,538.00		$224,400

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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