8670 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8670 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1968
Lot Size	3.25 acres (141,570 sqft)
Owner	Company Name on File
Tax Bill	$1,972 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-033-1043-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-033-1043-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	141,570 sqft (3.25 acres)
Lot Dimensions	1,407 ft deep x 100 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8670 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 100' OF S 827.11' OF W 1/2 OF NW 1/4 SECTION 33 T3N R16E 3.25 A
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

8670 Stone Rd is owned by a company that acquired it in September 2003 and is owner-occupied.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Company Name on File
Mailing Address	8670 STONE RD, CLAY, MI 48001-3814
Occupancy	Owner Occupied
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Mar 23, 2017	Quit Claim Deed, Transfer · Conventional with PMI GREENLIGHT LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 24, 2003
Transfer Doc	004811/463
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8670 STONE RD, CLAY, MI 48001-3814
Transaction Type	Mortgage
Record Updated	Feb 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8670 STONE RD, CLAY, MI 48001-3814

Mortgage

Document Number	0005485380
Date	Feb 9, 2022
Book Page	5485/380
Instrument	2022003337

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 23, 2017
Property Address	8670 STONE RD, CLAY, MI 48001-3814
Document Number	0048110463
Book / Page	004811 / 000463
Instrument Date	Mar 4, 2017
Transaction Type	Transfer
Record Updated	Apr 21, 2017
Title Company	TITLE 365

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8670 STONE RD CLAY MI 480013814, CLAY, MI 48001-3814

Mortgage

Document Number	48110468
Date	Mar 23, 2017
Book Page	004811/000468

Lender

Name	GREENLIGHT LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 8670 Stone Rd was $1,972 with a homeowner's exemption, up 2.2% from the year before.

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		$99,700 (+4.51%)	$199,400
2025	$1,972.00 (+2.18%) Homeowner's exemption	$95,400
2024	$1,930.00		$190,800
2023		$78,900
2022	$1,782.00		$157,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8670 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

Wildfire risk around 8670 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.

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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