9129 Anchor Bay Dr, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9129 Anchor Bay Dr, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,730 sqft
Lot Size	0.315 acres (13,721 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Oct 2024)
Tax Bill	$4,532 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jun 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-14-613-0013-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-613-0013-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,730 sqft Living Area
1st Floor Area	993 sqft

Exterior

Lot Area	13,721 sqft (0.315 acres)
Lot Dimensions	137 ft deep x 100 ft wide
Garage Area	904 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	9129 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 50 FT OF LOT 263 EXC NELY 160 FT ST CLAIR FLATS, N CHANNEL DEEDED 12/16/57
Legal Subdivision	ST CLAIR FLATS
Legal Lot Number	263
Legal Unit	263
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	9129 ANCHOR BAY DR, CLAY, MI 48001-3518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 21, 2018	Warranty Deed, Transfer · ARM CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2024 · Amount on Record
Deed Sale	Oct 11, 2024 · Amount on Record
Deed Document Number	202417996
Deed Book / Page	5754 / 875
Prior Transfer Date	Jul 24, 2024
Prior Transfer Doc	0005750325
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9129 ANCHOR BAY DR, CLAY, MI 48001-3518
Transaction Type	Mortgage
Record Updated	Mar 29, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9129 ANCHOR BAY DR, CLAY, MI 48001-3518

Mortgage

Document Number	0000549632
Date	Mar 9, 2022
Book Page	5496/32
Instrument	2022005694

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 18, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 21, 2018
Property Address	9129 ANCHOR BAY DR, CLAY, MI 48001-3518
Document Number	0004960281
Book / Page	4960 / 281
Instrument Date	Jun 15, 2018
Instrument	2018014358
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9129 ANCHOR BAY DR, CLAY, MI 48001-3518

Mortgage

Document Number	0049600283
Date	Jun 21, 2018
Book Page	4960/283
Instrument	2018014359

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.63%
Index	1-Year LIBOR

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		$230,300 (+5.79%)	$460,600 (+5.79%)
2025	$4,532.00 (+2.28%) Homeowner's exemption	$217,700 (+16.17%)
2024	$4,431.00 (+8.76%)		$435,400 (+16.17%)
2023		$187,400
2022	$4,074.00		$374,800

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	579.0 ft
Coastal	Yes
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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