St. Clair County property record for 9040 Stone Rd, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,055 sqft · built 1974 |
| Lot Size | 2.12 acres (92,347 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Oct 2022) |
| Tax Bill | $3,644 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-541-0077-000 |
| Primary APN | 74-14-541-0077-000 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Building Area | 3,055 sqft Living Area |
| 1st Floor Area | 3,055 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Lot Area | 92,347 sqft (2.12 acres) |
| Lot Depth | 200 ft Depth |
| Heating System | Hot Water |
|---|
| Street Address | 9040 STONE RD |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-1 |
| Legal Description | PART OF LOT 1296, BEG AT ITS NW COR, TH N 77D 30M 6S E 337.79', TH S 40D 8M E 151', TH S 49D 52M W 280', TH N 81D 11M 28S W |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 04 |
| Legal Subdivision | SUPERVISOR ROY T GILBERTS PLAT #17 |
| Legal Lot Number | 1296 |
| Legal Unit | 1296 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 646000 |
9040 Stone Rd is owned and occupied by an individual who bought it in October 2022.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9040 STONE RD, CLAY, MI 48001-4429 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 13, 2022 · Amount on File |
| Deed Sale | Oct 13, 2022 · Amount on File |
| Prior Sale | Aug 30, 2012 · Amount on File |
| Deed Document Number | 202223543 |
| Deed Book / Page | 5570 / 344 |
| Prior Transfer Date | Nov 17, 2012 |
| Prior Transfer Doc | 004402/358 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Oct 13, 2022 |
| Property Address | 9040 STONE RD, CLAY, MI 48001-4429 |
| Document Number | 0005570344 |
| Book / Page | 5570 / 344 |
| Map Reference | LB 50 PG 30-32 |
| Instrument Date | Aug 13, 2022 |
| Instrument | 2022023543 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 6143 POINTE TREMBLE RD, 6143, ALGONAC, MI 48001-4255 |
| Name | Verified Name |
|---|---|
| Address | 9040 STONE RD, CLAY, MI 48001-4429 |
| Document Number | 2022023545 |
|---|---|
| Date | Oct 13, 2022 |
| Instrument | 2022023545 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2052 |
The 2025 property tax bill for 9040 Stone Rd was $3,644 with a homeowner's exemption, down 12.4% 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 | $167,200 (+5.69%) | $334,400 | |
| 2025 | $3,644.00 (-12.38%) Homeowner's exemption | $158,200 | |
| 2024 | $4,159.00 | $316,400 | |
| 2023 | $175,900 | ||
| 2022 | $3,843.00 | $351,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9040 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 9040 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 | None beyond ember reach |
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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