8654 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8654 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,240 sqft
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Jun 2022)
Tax Bill	$2,378 (2025)
Deeds & Mortgages	May 2022 Mortgage Apr 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-033-1041-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-033-1041-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,240 sqft Living Area
1st Floor Area	988 sqft

Exterior

Lot Area	217,800 sqft (5 acres)
Lot Depth	1,408 ft Depth
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	8654 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 154.68' OF S 1081.96' 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

Owner

Source: St. Clair County records, as of April 6, 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	8654 STONE RD, CLAY, MI 48001-3814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Jun 3, 2022	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Mar 3, 2021	Warranty Deed, Transfer PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC
Oct 26, 2017	Quit Claim Deed, Transfer Quitclaim
Aug 30, 2017	Warranty Deed, Transfer · FHA Mortgage OTHER INSTITUTIONAL LENDERS
Apr 6, 2017	Warranty Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Prior Sale	Mar 3, 2021 · Amount on Record
Deed Document Number	202213645
Deed Book / Page	5528 / 488
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8654 STONE RD, CLAY, MI 48001-3814
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18733 HAMANN ST, BROWNSTOWN, MI 48193-7462
Investor	Possibly a Property Investor

Mortgage

Document Number	0005520854
Date	May 12, 2022
Book Page	5520/854
Instrument	2022011900

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8654 STONE RD, CLAY, MI 48001-3814
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35313 WEIDEMAN ST, CLINTON TOWNSHIP, MI 48035-5203

Mortgage

Document Number	0005344432
Date	Apr 1, 2021
Book Page	5344/432
Instrument	2021009573

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2051

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 3, 2022
Property Address	8654 STONE RD, CLAY, MI 48001-3814
Document Number	0005528488
Book / Page	5528 / 488
Instrument Date	May 5, 2022
Instrument	2022013645
Transaction Type	Transfer
Record Updated	Jun 16, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$2,287.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8654 STONE RD, 8654, CLAY, MI 48001-3814

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8654 STONE RD, CLAY, MI 48001-3814
Investor	Possibly a Property Investor

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 3, 2021
Property Address	8654 STONE RD, CLAY, MI 48001-3814
Document Number	0005328336
Book / Page	5328 / 336
Instrument Date	Feb 12, 2021
Instrument	2021006155
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$1,942.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8654 STONE RD, 8654, CLAY, MI 48001-3814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8654 STONE RD, CLAY, MI 48001-3814

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 26, 2017
Property Address	8654 STONE RD, CLAY, MI 48001-3814
Document Number	0048830370
Book / Page	004883 / 000370
Instrument Date	Aug 23, 2017
Transaction Type	Transfer
Record Updated	Dec 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8654 STONE RD CLAY MI 480013814, CLAY, MI 48001-3814

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 30, 2017
Property Address	8654 STONE RD, CLAY, MI 48001-3814
Document Number	0048630998
Book / Page	004863 / 000998
Instrument Date	Aug 7, 2017
Transaction Type	Transfer
Record Updated	Aug 25, 2018
Title Company	ASK SERVICES INC, ASK SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$953.71
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18456 MARQUETTE ST ROSEVILLE MI 480663440, ROSEVILLE, MI 48066-3440

Mortgage

Document Number	48640001
Date	Aug 30, 2017
Book Page	004864/000001

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2047

April 2017: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 6, 2017
Property Address	8654 STONE RD, CLAY, MI 48001-3814
Document Number	0048160682
Book / Page	004816 / 000682
Instrument Date	Jul 31, 2015
Transaction Type	Foreclosure
Record Updated	Apr 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

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
2025	$2,378.00 (-42.27%) Homeowner's exemption	$142,800 (+25.81%)
2024	$4,119.00 (+19.25%)		$285,600 (+25.81%)
2023		$113,500
2022	$3,454.00		$227,000

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.

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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