8701 Morrow Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8701 Morrow Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,008 sqft
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$84,000 (Apr 2019)
Tax Bill	$3,714 (2024)
Deeds & Mortgages	Jan 2020 Construction Loan Nov 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-032-2001-500`

Property Details

APN / Parcel Number

Primary APN	`74-14-032-2001-500`

Interior

Full Baths	1 Bath
Building Area	1,008 sqft Living Area

Exterior

Lot Area	435,600 sqft (10 acres)
Lot Dimensions	1,320 ft deep x 330 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	74140322001500
Street Address	8701 MORROW RD
City	CLAY
State	MI
Zip	48001-3717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	S 1/4 OF NW 1/4 OF NE 1/4 SEC 32 T3N R16E CONT 10 A
Legal Range	16E
Legal Township	03N
Legal Section	32
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	4
Census Block	4011
Census Tract	646000

Owner

Source: St. Clair County assessment roll, APN 74-14-032-2001-500, as of March 1, 2025 · Last verified October 2025

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

Owner of Record	Individual Name on File
Mailing Address	8701 MORROW RD, CLAY, MI 48001-3717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2020	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Nov 01, 2020	Loan Modification, Mortgage LAKE MI CU
Apr 04, 2019	Warranty Deed, Transfer · Conventional Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 04, 2019 · Amount on Record
Deed Sale	Apr 04, 2019 · Amount on Record
Prior Sale	Jan 13, 2015 · Amount on Record
Deed Document Number	2019006003
Deed Book / Page	5043 / 484
Record Updated	Jun 08, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8701 MORROW RD, CLAY, MI 48001-3717
Transaction Type	Mortgage
Record Updated	Sep 13, 2022
Title Company	HURON TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005141477
Date	Jan 14, 2020
Book Page	5141/477
Instrument	2020001279

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Feb 01, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 01, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAINT CLAIR MI
Property Address	8701 MORROW RD, CLAY, MI 48001-3717
Document Number	0052790439
Instrument Date	Nov 01, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8701 MORROW RD CLAY MI 48001, CLAY, MI 48001

Mortgage

Document Number	0052790439
Date	Nov 30, 2020
Book Page	005279/000439

Lender

Name	LAKE MI CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Nov 29, 2021

Interest

Rate Type	Adjustable Rate
Rate	4.11%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 04, 2019
Property Address	8701 MORROW RD, CLAY, MI 48001-3717
Document Number	0050430484
Book / Page	005043 / 000484
Instrument Date	Jun 30, 2016
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$722.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 368 FRASER MI 480260368, FRASER, MI 48026-0368

Mortgage

Document Number	50430485
Date	Apr 04, 2019
Book Page	005043/000485

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 03, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.36%

Tax Assessment & Valuation

Source: St. Clair County assessment roll as of March 1, 2025 · Last verified October 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$160,200 (+31.96%)
2024	$3,714.00 (+8.69%)		$320,400 (+31.96%)
2023		$121,400
2022	$3,417.00		$242,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), as of July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476460004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 14 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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