8922 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8922 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1920
Lot Size	1.18 acres (51,401 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Feb 2020)
Tax Bill	$2,216 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-033-4012-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-033-4012-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,680 sqft Living Area
1st Floor Area	1,401 sqft
Basement Area	558 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	51,401 sqft (1.18 acres)
Lot Dimensions	184 ft deep x 238 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8922 STONE RD
City	CLAY
State	MI
Zip	48001-3822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	BEG N 89D 28M 20S E 273.28' & N 85D 41M 35S E 7.03', TH FROM INT/ SEC OF FIELD RD & S LINE OF SECTION 33, TH N 0D 51M 50S E
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

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	8922 STONE RD, CLAY, MI 48001-3822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2020 · Amount on Record
Deed Sale	Feb 12, 2020 · Amount on Record
Prior Sale	Oct 15, 2013 · Amount on Record
Deed Document Number	20203812
Deed Book / Page	5151 / 909
Prior Transfer Date	Sep 29, 2010
Prior Transfer Doc	4096/171
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 12, 2020
Property Address	8922 STONE RD, CLAY, MI 48001-3822
Document Number	0005151909
Book / Page	5151 / 909
Instrument Date	Oct 11, 2013
Instrument	2020003812
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$946.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 230580, FAIR HAVEN, MI 48023-0580

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8922 STONE RD, CLAY, MI 48001-3822

Mortgage

Document Number	5153669
Date	Feb 18, 2020
Book Page	5153/669
Instrument	2020004215

Lender

Name	MORTGAGE CENTER
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed 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		$141,800 (+3.88%)	$283,600 (+3.88%)
2025	$2,216.00 (+2.03%) Homeowner's exemption	$136,500 (+17.27%)
2024	$2,172.00 (+7.68%)		$273,000 (+17.27%)
2023		$116,400
2022	$2,017.00		$232,800

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 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

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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