8775 Anchor Bay Dr, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8775 Anchor Bay Dr, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,492 sqft
Lot Size	0.099 acres (4,312 sqft)
Owner	Individual Name on Record
Tax Bill	$2,545 (2025)
Deeds & Mortgages	Feb 2020 Transfer Sep 2019 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`74-14-118-0117-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-118-0117-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,492 sqft Living Area
1st Floor Area	930 sqft

Exterior

Lot Area	4,312 sqft (0.099 acres)
Lot Dimensions	108 ft deep x 40 ft wide
Garage Area	1,012 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8775 ANCHOR BAY DR
City	CLAY
State	MI
Zip	48001-3511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 323 ANCHOR BAY BEACH NO. 1 SEC 2 T2N R15E & SEC 35 T3N R15E
Legal Range	15E
Legal Township	03N
Legal Section	35
Legal Subdivision	ANCHOR BAY BEACH 1
Legal Lot Number	323
Legal Unit	323
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1008
Census Tract	647000

Owner

Source: St. Clair County records, as of September 17, 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	8775 ANCHOR BAY DR, CLAY, MI 48001-3511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 11, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Sep 13, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Oct 18, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 5, 2020
Transfer Doc	0005153570
Record Updated	Oct 29, 2026

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 18, 2020
Property Address	8775 ANCHOR BAY DR, CLAY, MI 48001-3511
Document Number	0051530570
Book / Page	005153 / 000570
Instrument Date	Feb 5, 2020
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	8775 ANCHOR BAY DR CLAY MI 480013511, CLAY, MI 48001-3511

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8775 ANCHOR BAY DR, CLAY, MI 48001-3511
Document Number	0051030844
Instrument Date	Sep 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8775 ANCHOR BAY DR CLAY MI 480013511, CLAY, MI 48001-3511

Mortgage

Document Number	0051030844
Date	Oct 2, 2019
Book Page	005103/000844

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8775 ANCHOR BAY DR, CLAY, MI 48001-3511
Document Number	0049930712
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8775 ANCHOR BAY DR CLAY MI 480013511, CLAY, MI 48001-3511

Mortgage

Document Number	0049930712
Date	Oct 1, 2018
Book Page	004993/000712

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2048

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8775 ANCHOR BAY DR, CLAY, MI 48001-3511
Document Number	0048950123
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8775 ANCHOR BAY DR CLAY MI 480013511, CLAY, MI 48001-3511

Mortgage

Document Number	0048950123
Date	Nov 28, 2017
Book Page	004895/000123

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$130,200 (+5.34%)	$260,400 (+5.34%)
2025	$2,545.00 (+2.25%) Homeowner's exemption	$123,600 (+26.38%)
2024	$2,489.00 (+8.45%)		$247,200 (+26.38%)
2023		$97,800
2022	$2,295.00		$195,600

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	579.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 151 policies
Nearby Flood Policies	151 in force
Nearby Flood Claims	144 (1979–2025)
Claims Outside the SFHA	31 of 144
Most Recent Claim	Apr 2025 · 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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLAY TOWNSHIP serves 9,866 people · EPA ID MI0001450
Water Source	Purchased surface water from CITY OF ALGONAC
Last State Inspection	May 2021
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 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 (outdoors only) and 4G LTE

Nearby Properties on Anchor Bay Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures