9099 Phelps Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9099 Phelps Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,540 sqft
Lot Size	1.17 acres (50,965 sqft)
Owner	Individual Name on File
Last Sale	$252,000 (Sep 2023)
Tax Bill	$4,953 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-060-0012-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-060-0012-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,540 sqft Living Area
1st Floor Area	1,540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	50,965 sqft (1.17 acres)
Lot Depth	377 ft Depth
Garage Area	2,152 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	9099 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 S 15D 27M 45S W 3589' FROM NW COR PC 309, TH S 74D 20M E 141.98', S 42D 7M E 83.38', TH S 48D 50M E 220', TH S 15D 58M 5S
Legal Subdivision	PRIVATE CLAIMS 309
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2005
Census Tract	646000

Owner

9099 Phelps Rd is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	9099 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
Aug 19, 2026	Deed of Trust, Mortgage · Line of Credit ADVIA CREDIT UNION
Sep 7, 2023	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Sep 28, 2023	Warranty Deed, Transfer LIBERTY TITLE
Mar 2, 2022	Warranty Deed, Transfer · Conventional Mortgage OMEGA LENDING
Jun 22, 2021	Warranty Deed, Transfer LIBERTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2023 · Amount on File
Deed Sale	Sep 28, 2023 · Amount on File
Prior Sale	Mar 2, 2022 · Amount on File
Deed Document Number	202317229
Deed Book / Page	5658 / 185
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 19, 2026
Property Address	9099 PHELPS RD, CLAY, MI 48001-4346
Document Number	0000016784
Book / Page	5955 / 823
Instrument Date	Aug 14, 2026
Instrument	202616784
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9099 PHELPS RD, CLAY, MI 48001-4346

Mortgage

Document Number	0000016784,
Date	Aug 19, 2026
Book Page	5955/823
Instrument	202616784

Lender

Name	ADVIA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 14, 2046

Interest

Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9099 PHELPS RD, CLAY, MI 48001-4346
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9099 PHELPS RD, CLAY, MI 48001-4346

Mortgage

Document Number	0000565218
Date	Sep 7, 2023
Book Page	5652/18
Instrument	2023015750

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 28, 2023
Property Address	9099 PHELPS RD, CLAY, MI 48001-4346
Document Number	0005658185
Book / Page	5658 / 185
Instrument Date	Sep 1, 2023
Instrument	2023017229
Transaction Type	Transfer
Record Updated	Oct 17, 2023
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Tax	$1,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9099 PHELPS RD, CLAY, MI 48001-4346

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7960 RIVER RD, COTTRELLVILLE, MI 48039-3329

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 2, 2022
Property Address	9099 PHELPS RD, CLAY, MI 48001-4346
Document Number	0005493829
Book / Page	5493 / 829
Instrument Date	Jan 28, 2022
Instrument	2022005134
Transaction Type	Transfer
Record Updated	Apr 4, 2022
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9099 PHELPS RD, 9099, CLAY, MI 48001-4346

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12380 ROBERT ST, TAYLOR, MI 48180-4209

Mortgage

Document Number	2022005135
Date	Mar 2, 2022
Instrument	2022005135

Lender

Name	OMEGA LENDING
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 22, 2021
Property Address	9099 PHELPS RD, CLAY, MI 48001-4346
Document Number	5383308
Book / Page	5383 / 308
Instrument Date	Apr 9, 2021
Instrument	2021018383
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Tax	$1,038.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9099 PHELPS RD, 9099, CLAY, MI 48001-4346

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9099 PHELPS RD, CLAY, MI 48001-4346

Tax Assessment & Valuation

The 2025 property tax bill for 9099 Phelps Rd was $4,953 with a homeowner's exemption, up 18.7% 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		$158,000 (+5.05%)	$316,000
2025	$4,953.00 (+18.72%) Homeowner's exemption	$150,400
2024	$4,172.00		$300,800
2023		$107,900
2022	$3,494.00		$215,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 9099 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 9099 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.

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