8673 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8673 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,552 sqft
Lot Size	2.45 acres (106,722 sqft)
Owner	Individual Name on Record
Last Sale	$1,749,000 (Jul 2017)
Tax Bill	$3,566 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-033-1031-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-033-1031-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,552 sqft Living Area
1st Floor Area	1,552 sqft
Basement Area	1,312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	106,722 sqft (2.45 acres)
Lot Depth	350 ft Depth
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8673 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	BEG S 88D 47M W 1297.30' & S 1806.90' FROM N 1/4 COR, TH N 88D 41M E 350', TH S 1D 19M E 34', TH N 88D 41M E 238', TH S 1D
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	8673 STONE RD, CLAY, MI 48001-3815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2022	Deed of Trust, Mortgage · Line of Credit COMMUNITY CHOICE CU
Apr 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jul 12, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2017 · Amount on Record
Deed Sale	Jul 12, 2017 · Amount on Record
Deed Document Number	201717228
Deed Book / Page	4848 / 500
Prior Transfer Date	Mar 9, 2007
Prior Transfer Doc	003690/681
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8673 STONE RD, CLAY, MI 48001-3815
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8673 STONE RD, CLAY, MI 48001-3815

Mortgage

Document Number	0005576333
Date	Nov 7, 2022
Book Page	5576/333
Instrument	2022025012

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON, MI 48334

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	324 Months
Due	Nov 6, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8673 STONE RD, CLAY, MI 48001-3815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051780251
Date	Apr 27, 2020
Book Page	5178/251
Instrument	2020010028

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 12, 2017
Property Address	8673 STONE RD, CLAY, MI 48001-3815
Document Number	004848/500
Book / Page	4848 / 500
Instrument Date	May 17, 2017
Instrument	2017017228
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	FIRST AMERICAN TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8673 STONE RD, 8673, CLAY, MI 48001-3815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8673 STONE RD, CLAY, MI 48001-3815

Mortgage

Document Number	0048480502
Date	Jul 12, 2017
Book Page	4848/502
Instrument	2017017229

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2047

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		$141,800 (+6.54%)	$283,600 (+6.54%)
2025	$3,566.00 (+2.27%) Homeowner's exemption	$133,100 (+14.84%)
2024	$3,487.00 (+8.66%)		$266,200 (+14.84%)
2023		$115,900
2022	$3,209.00		$231,800

Assessed value is set for property tax purposes, not a market price estimate; it is 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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