9135 Anchor Bay Dr, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9135 Anchor Bay Dr, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,815 sqft · built 2006
Lot Size	0.292 acres (12,720 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Sep 2023)
Tax Bill	$7,966 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-14-613-0011-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-613-0011-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Building Area	1,815 sqft Living Area
1st Floor Area	1,210 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	12,720 sqft (0.292 acres)
Lot Dimensions	127 ft deep x 100 ft wide
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9135 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	LOT 262 EXC NW 50 FT ST CLAIR FLATS, N CHANNEL DEEDED 12/16/57
Legal Subdivision	SOFT ST CLAIR FLATS
Legal Lot Number	262
Legal Unit	262
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	9135 ANCHOR BAY DR, CLAY, MI 48001-3518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED MORTGAGE LENDING
Aug 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 21, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2023 · Amount on Record
Deed Sale	Sep 21, 2023 · Amount on Record
Deed Document Number	202316764
Deed Book / Page	5656 / 446
Prior Transfer Date	Dec 22, 2006
Prior Transfer Doc	003662/371
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	May 6, 2026
Property Address	9135 ANCHOR BAY DR, CLAY, MI 48001-3518
Document Number	0000009214
Book / Page	5921 / 550
Instrument Date	Apr 30, 2026
Instrument	20269214
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9135 ANCHOR BAY DR, CLAY, MI 48001-3518
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009214,
Date	May 6, 2026
Book Page	5921/550
Instrument	20269214

Lender

Name	UNITED MORTGAGE LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9135 ANCHOR BAY DR, CLAY, MI 48001-3518
Transaction Type	Mortgage
Record Updated	Sep 8, 2023
Title Company	ATA NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 TANVIEW DR, OXFORD, MI 48371-4769

Mortgage

Document Number	0005647743
Date	Aug 21, 2023
Book Page	5647/743
Instrument	2023014792

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 21, 2023
Property Address	9135 ANCHOR BAY DR, CLAY, MI 48001-3518
Document Number	0005656446
Book / Page	5656 / 446
Instrument Date	Aug 15, 2023
Instrument	2023016764
Transaction Type	Transfer
Record Updated	Oct 6, 2023

Transaction

Amount	Amount Recorded
Tax	$3,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	188 BLACK MATT RD, DOUGLASSVILLE, PA 19518-9722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 TANVIEW DR, OXFORD, MI 48371-4769

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		$269,500 (+3.93%)	$539,000 (+3.93%)
2025	$7,966.00 (+2.34%) Homeowner's exemption	$259,300 (+19.99%)
2024	$7,784.00 (+87.39%)		$518,600 (+19.99%)
2023		$216,100
2022	$4,154.00		$432,200

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 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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