9117 Anchor Bay Dr, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9117 Anchor Bay Dr, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,724 sqft
Lot Size	0.373 acres (16,248 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Jul 2022)
Tax Bill	$15,908 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Mar 2022 Sale
Flood Zone	Zone VE (high risk)
APN	`74-14-613-0015-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-613-0015-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,724 sqft Living Area
1st Floor Area	1,362 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	16,248 sqft (0.373 acres)
Lot Dimensions	162 ft deep x 100 ft wide
Garage Area	805 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9117 ANCHOR BAY DR
City	CLAY
State	MI
Zip	48001-3518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	NWLY 1/2 OF LOT 264 ST CLAIR FLATS, N CHANNEL DEEDED 1/11/60
Legal Subdivision	ST CLAIR FLATS NORTH CHANNEL
Legal Lot Number	264
Legal Unit	264
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1004
Census Tract	647000

Owner

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	9261 SAINT CLAIR HWY, CASCO, MI 48064-1224
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Mar 31, 2022	Fiduciary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2022 · Amount on Record
Deed Sale	Jul 22, 2022 · Amount on Record
Deed Document Number	202217539
Deed Book / Page	5545 / 4
Prior Transfer Date	Mar 8, 2022
Prior Transfer Doc	0005505411
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 22, 2022
Property Address	9117 ANCHOR BAY DR, CLAY, MI 48001-3518
Document Number	0000055454
Book / Page	5545 / 4
Instrument Date	Jul 1, 2022
Instrument	2022017539
Transaction Type	Transfer
Record Updated	Aug 2, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9117 ANCHOR BAY DR, CLAY, MI 48001-3518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9117 ANCHOR BAY DR, CLAY, MI 48001-3518

Mortgage

Document Number	0005542220
Date	Jul 15, 2022
Book Page	5542/220
Instrument	2022016881

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

March 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 31, 2022
Property Address	9117 ANCHOR BAY DR, CLAY, MI 48001-3518
Document Number	0005505411
Book / Page	5505 / 411
Instrument Date	Mar 8, 2022
Instrument	2022008451
Transaction Type	Transfer
Record Updated	Aug 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9117 ANCHOR BAY DR, CLAY, MI 48001-3518

Tax Assessment & Valuation

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		$363,900 (+4.66%)	$727,800 (+4.66%)
2025	$15,908.00 (+2.61%)	$347,700 (+21.36%)
2024	$15,503.00 (+195.01%)		$695,400 (+21.36%)
2023		$286,500
2022	$5,255.00		$573,000

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

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	581.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 151 policies
Nearby Flood Policies	151 in force
Nearby Flood Claims	144 (1979–2025)
Claims Outside the SFHA	31 of 144
Most Recent Claim	Apr 2025 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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