St. Clair County property record for 8977 Field Rd, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,170 sqft · built 1963 |
| Lot Size | 5.45 acres (237,576 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Feb 2018) |
| Tax Bill | $2,768 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-541-0060-000 |
| Primary APN | 74-14-541-0060-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,170 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Lot Area | 237,576 sqft (5.45 acres) |
| Lot Dimensions | 1,341 ft deep x 177 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 8977 FIELD RD |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-3803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-1 |
| Legal Description | N 177 FT OF LOT 1289 SUP ROY T GILBERTS PLAT NO 17 SEC 4 T2N R16E |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 04 |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 17-CLAY |
| Legal Lot Number | 1289 |
| Legal Unit | 1289 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 646000 |
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 | 8977 FIELD RD, CLAY, MI 48001-3803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK |
| Feb 15, 2018 | Warranty Deed, Transfer · Conventional with PMI LAKESTONE BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 15, 2018 · Amount on Record |
| Deed Sale | Feb 15, 2018 · Amount on Record |
| Deed Document Number | 20183521 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 8977 FIELD RD, CLAY, MI 48001-3803 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 8977 FIELD RD, CLAY, MI 48001-3803 |
| Document Number | 0053030140 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 5303/140 |
| Instrument | 2021001273 |
| Name | CHOICEONE BANK |
|---|---|
| Type | Bank |
| Address | SPARTA, MI 49345 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Feb 15, 2018 |
| Property Address | 8977 FIELD RD, CLAY, MI 48001-3803 |
| Document Number | 0049170877 |
| Book / Page | 004917 / 000877 |
| Instrument Date | Feb 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2018 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,333.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22599 W MAIN ST ARMADA MI 480054834, ARMADA, MI 48005-4834 |
| Document Number | 49170878 |
|---|---|
| Date | Feb 15, 2018 |
| Book Page | 004917/000878 |
| Name | LAKESTONE BK&TR |
|---|---|
| Address | LAPEER, MI 48446 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 14, 2048 |
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 | $111,000 (+3.26%) | $222,000 (+3.26%) | |
| 2025 | $2,768.00 (+2.25%) Homeowner's exemption | $107,500 (+29.21%) | |
| 2024 | $2,707.00 (+8.5%) | $215,000 (+29.21%) | |
| 2023 | $83,200 | ||
| 2022 | $2,495.00 | $166,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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