8872 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8872 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,960 sqft · built 1989
Lot Size	0.95 acres (41,382 sqft)
Owner	Individual Name on File
Last Sale	$267,500 (Jul 2020)
Tax Bill	$5,131 (2025)
Deeds & Mortgages	May 2022 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-033-4013-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-033-4013-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,960 sqft Living Area
1st Floor Area	1,960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	41,382 sqft (0.95 acres)
Lot Dimensions	311 ft deep x 127 ft wide
Garage Area	1,762 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8872 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 1399.3' & S 19D 50M 15S E 767.85' FROM INT COR, TH S 19D 50M 15S E 127.03', TH S 88D
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

8872 Stone Rd is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	8872 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
May 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jul 7, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 AT SUBURBAN
Oct 8, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2020 · Amount on File
Deed Sale	Jul 7, 2020 · Amount on File
Prior Sale	Oct 8, 2019 · Amount on File
Deed Document Number	202015326
Deed Book / Page	5209 / 8
Prior Transfer Date	Dec 29, 2015
Prior Transfer Doc	0046690067
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8872 STONE RD, CLAY, MI 48001-3820
Transaction Type	Mortgage
Record Updated	Jun 16, 2022
Title Company	FORT SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8872 STONE RD, CLAY, MI 48001-3820

Mortgage

Document Number	0005518396
Date	May 5, 2022
Book Page	5518/396
Instrument	2022011349

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	235 Months
Due	Dec 1, 2041

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 7, 2020
Property Address	8872 STONE RD, CLAY, MI 48001-3820
Document Number	0052090008
Book / Page	005209 / 000008
Instrument Date	Jun 19, 2020
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	CISLO TITLE, CISLO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,301.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	27921 ROCKWOOD ST ST CLAIR SHORES MI 480813636, ST CLAIR SHORES, MI 48081-3636

Mortgage

Document Number	52090010
Date	Jul 7, 2020
Book Page	005209/000010

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2050

October 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 8, 2019
Property Address	8872 STONE RD, CLAY, MI 48001-3820
Document Number	0051050753
Book / Page	005105 / 000753
Instrument Date	Sep 19, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,784.50
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8872 STONE RD CLAY MI 480013820, CLAY, MI 48001-3820

Mortgage

Document Number	51050755
Date	Oct 8, 2019
Book Page	005105/000755

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 8872 Stone Rd was $5,131 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		$188,800 (+5.53%)	$377,600
2025	$5,131.00 (+2.31%) Homeowner's exemption	$178,900
2024	$5,015.00		$357,800
2023		$149,400
2022	$4,609.00		$298,800

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

Flood

FEMA maps place 8872 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 8872 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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