9079 Phelps Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9079 Phelps Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,008 sqft · built 2000
Lot Size	2.53 acres (110,207 sqft)
Owner	Individual Name on File
Last Sale	$349,900 (Oct 2017)
Tax Bill	$5,836 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-060-0003-200`

Property Details

APN / Parcel Number

Primary APN	`74-14-060-0003-200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,008 sqft Living Area
1st Floor Area	2,008 sqft
Basement Area	2,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	110,207 sqft (2.53 acres)
Lot Depth	371 ft Depth
Garage Area	788 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9079 PHELPS RD
City	CLAY
State	MI
Zip	48001-4346
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	BEG S73D 47M 5S E 404.54' & S 16D W 2931.44' FROM NW COR PC 309, TH S 16D W 271.86', TH N 73D 47M 46S W 404.59', TH N 16D E
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2000
Census Tract	646000

Owner

9079 Phelps Rd is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	9079 PHELPS RD, CLAY, MI 48001-4346
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
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 25, 2017	Warranty Deed, Transfer · Conventional Mortgage TOWNE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2017 · Amount on File
Deed Sale	Oct 25, 2017 · Amount on File
Prior Sale	Oct 26, 2007 · Amount on File
Deed Document Number	201725315
Prior Transfer Date	Jan 1, 2014
Prior Transfer Doc	004490/157
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9079 PHELPS RD, CLAY, MI 48001-4346
Document Number	0051740017
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	Apr 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9079 PHELPS RD CLAY MI 480014346, CLAY, MI 48001-4346

Mortgage

Document Number	0051740017
Date	Apr 15, 2020
Book Page	005174/000017

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 14, 2040

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 25, 2017
Property Address	9079 PHELPS RD, CLAY, MI 48001-4346
Document Number	0048830201
Book / Page	004883 / 000201
Instrument Date	Oct 13, 2017
Transaction Type	Transfer
Record Updated	Dec 5, 2017
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,009.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8292 DIXIE HWY IRA MI 480232514, IRA, MI 48023-2514

Mortgage

Document Number	48830204
Date	Oct 25, 2017
Book Page	004883/000204

Lender

Name	TOWNE MTG
Type	Mortgage Company
Address	2170 E BIG BEAVER RD # A, TROY, MI 48083-2315

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 9079 Phelps Rd was $5,836 with a homeowner's exemption, up 3.1% 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		$240,900 (+7.11%)	$481,800
2025	$5,836.00 (+3.13%) Homeowner's exemption	$224,900
2024	$5,659.00		$449,800
2023		$199,600
2022	$5,199.00		$399,200

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

Flood

FEMA maps place 9079 Phelps Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	4 (1984–2020)
Claims Outside the SFHA	2 of 4
Most Recent Claim	May 2020

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 9079 Phelps 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

Nearby Properties on Phelps Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures