St. Clair County property record for 8954 Stone Rd, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,694 sqft · built 1979 |
| Lot Size | 0.756 acres (32,931 sqft) |
| Owner | Trust Name on File |
| Last Sale | $142,000 (Dec 2010) |
| Tax Bill | $2,447 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-541-0052-000 |
| Primary APN | 74-14-541-0052-000 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,694 sqft Living Area |
| 1st Floor Area | 1,694 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Lot Area | 32,931 sqft (0.756 acres) |
| Lot Depth | 308 ft Depth |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8954 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 | PART LOT 1284 BEG N 72 DEG 52 MIN 40 SECONDS E 300 FT & N 0 DEG 31 MIN 46 SECONDS E 104.95 FT FROM ITS SW COR, TH N 72 DEG 52 |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 04 |
| Legal Subdivision | SUPERVISOR ROY T GILBERTS PLAT #17 |
| Legal Lot Number | 1284 |
| Legal Unit | 1284 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 646000 |
8954 Stone Rd is owner-occupied and held in a trust since February 2025.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 8954 STONE RD, CLAY, MI 48001-3822 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 2010 · Amount on File |
| Deed Sale | Dec 8, 2010 · Amount on File |
| Deed Document Number | 201026499 |
| Deed Book / Page | 4091 / 541 |
| Last Transfer Date | Feb 14, 2025 |
| Transfer Doc | 0000002683 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 8954 STONE RD, CLAY, MI 48001-3822 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050990864 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 5099/864 |
| Instrument | 2019019574 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 8954 Stone Rd was $2,447 with a homeowner's exemption, up 2% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $135,300 (+5.46%) | $270,600 | |
| 2025 | $2,447.00 (+2%) Homeowner's exemption | $128,300 | |
| 2024 | $2,399.00 | $256,600 | |
| 2023 | $108,000 | ||
| 2022 | $2,225.00 | $216,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8954 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 risk around 8954 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.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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