8864 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8864 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,374 sqft · built 1981
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on File
Last Sale	$274,900 (Apr 2023)
Tax Bill	$5,128 (2025)
Deeds & Mortgages	Apr 2023 Sale Dec 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-033-4014-200`

Property Details

APN / Parcel Number

Primary APN	`74-14-033-4014-200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,374 sqft Living Area
1st Floor Area	1,374 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	32,670 sqft (0.75 acres)
Lot Depth	218 ft Depth
Garage Area	1,068 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	8864 STONE RD
City	CLAY
State	MI
Zip	48001-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	BEG N 89D 23M 45S W 1298.64', S 1D 31M W 1399.30' & S 19D 50M 15S E 503.03' FROM INT/SEC 1/4 COR, TH S 19D 50M 15S E 139.33',
Legal Range	16E
Legal Township	03N
Legal Section	33
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3009
Census Tract	646000

Owner

8864 Stone Rd is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	8864 STONE RD, CLAY, MI 48001-3820
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
Apr 19, 2023	Warranty Deed, Transfer PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC
Dec 6, 2021	Correction Deed JBN TITLE, JB TITLE
Sep 29, 2021	Intrafamily Transfer, Transfer PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC
Oct 8, 2021	Warranty Deed, Transfer · Conventional Mortgage ROSS MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2023 · Amount on File
Deed Sale	Apr 19, 2023 · Amount on File
Prior Sale	Oct 8, 2021 · Amount on File
Deed Document Number	20237196
Deed Book / Page	5615 / 32
Prior Transfer Date	Sep 17, 2021
Prior Transfer Doc	0005427923
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 19, 2023
Property Address	8864 STONE RD, CLAY, MI 48001-3820
Document Number	0000561532
Book / Page	5615 / 32
Instrument Date	Mar 30, 2023
Instrument	2023007196
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$2,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8864 STONE RD, CLAY, MI 48001-3820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8864 STONE RD, CLAY, MI 48001-3820

December 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 6, 2021
Property Address	8864 STONE RD, CLAY, MI 48001-3820
Document Number	0005458290
Book / Page	5458 / 290
Instrument Date	Nov 19, 2021
Instrument	2021033959
Record Updated	Dec 31, 2021
Title Company	JBN TITLE, JB TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8864 STONE RD, CLAY, MI 48001-3820

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 29, 2021
Property Address	8864 STONE RD, CLAY, MI 48001-3820
Document Number	0005427923
Book / Page	5427 / 923
Instrument Date	Sep 17, 2021
Instrument	2021027661
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8864 STONE RD, CLAY, MI 48001-3820

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 8, 2021
Property Address	8864 STONE RD, CLAY, MI 48001-3820
Document Number	0005432516
Book / Page	5432 / 516
Instrument Date	Sep 17, 2021
Instrument	2021028592
Transaction Type	Transfer
Record Updated	Jun 15, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8864 STONE RD, CLAY, MI 48001-3820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10921 NORMAN RD, BROCKWAY, MI 48097-4110

Mortgage

Document Number	2021027660
Date	Oct 8, 2021
Instrument	2021027660

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 8864 Stone Rd was $5,128 with a homeowner's exemption, up 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		$161,000 (+5.78%)	$322,000
2025	$5,128.00 (+1.99%) Homeowner's exemption	$152,200
2024	$5,028.00		$304,400
2023		$115,400
2022	$3,788.00		$230,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 8864 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 8864 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 (outdoors only) and 4G LTE

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