8765 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8765 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,678 sqft · built 2021
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Jun 2022)
Tax Bill	$6,407 (2025)
Deeds & Mortgages	Mar 2022 Construction Loan Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-983-0001-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-983-0001-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,678 sqft Living Area
1st Floor Area	1,678 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Condo/Apartment
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	248 ft deep x 175 ft wide
Garage Area	783 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8765 STONE RD
City	CLAY
State	MI
Zip	48001-3819
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RS-1
Legal Description	UNIT 1 STONE ROAD ESTATES CONDOMINIUM ST CLAIR COUNTY CONDOMINIUM PLAN NO 238 MASTER DEED RECORDED IN LIBER 5301 PGS 119 -
Legal Subdivision	ST CLAIR COUNTY CONDOMINIUM
Legal Unit	1
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3000
Census Tract	646000

Owner

8765 Stone Rd, a condominium, is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	8765 STONE RD, CLAY, MI 48001-3819
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 23, 2022	Deed of Trust, Mortgage · Construction Mortgage NORTHSTAR BANK
Jun 29, 2022	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2022 · Amount on File
Deed Sale	Jun 29, 2022 · Amount on File
Deed Document Number	202215807
Deed Book / Page	5537 / 431
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8765 STONE RD, CLAY, MI 48001-3819
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6052 STARVILLE RD, COTTRELLVILLE, MI 48039-1021

Mortgage

Document Number	0005501635
Date	Mar 23, 2022
Book Page	5501/635
Instrument	2022006948

Lender

Name	NORTHSTAR BANK
Type	Bank
Address	BAD AXE, MI 48413

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 29, 2022
Property Address	8765 STONE RD, CLAY, MI 48001-3819
Document Number	0005537431
Book / Page	5537 / 431
Map Reference	LB 5301 PG 119
Instrument Date	Jun 21, 2022
Instrument	2022015807
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Tax	$562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6052 STARVILLE RD, COTTRELLVILLE, MI 48039-1021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80828 UNION ST, MEMPHIS, MI 48041-4810

Mortgage

Document Number	2022015220
Date	Jun 29, 2022
Instrument	2022015220

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 8765 Stone Rd was $6,407 with a homeowner's exemption, up 2.3% 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		$225,400 (+5.87%)	$450,800
2025	$6,407.00 (+2.33%) Homeowner's exemption	$212,900
2024	$6,261.00		$425,800
2023		$176,900
2022	$508.00		$353,800

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

Flood

FEMA maps place 8765 Stone Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1985.

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 Policies	6 in force
Nearby Flood Claims	12 (1985–1995)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Aug 1995 · 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 8765 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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