9343 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9343 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,708 sqft
Lot Size	0.762 acres (33,193 sqft)
Owner	Company Name on Record
Last Sale	$185,000 (Jan 2008)
Tax Bill	$4,808 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Jun 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-14-487-0072-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-487-0072-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,708 sqft Living Area
1st Floor Area	1,708 sqft

Exterior

Lot Area	33,193 sqft (0.762 acres)
Lot Depth	575 ft Depth
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	9343 RIVER RD
City	CLAY
State	MI
Zip	48001-4009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	BEG ON W LINE OF LOT 853 S 7D 36M W 50' FROM NW COR, TH S 69D 6 1/2M E 601.3', TH S 4D 36 1/2M E 60.14', TH N 69D 4M W
Legal Range	16E
Legal Township	02N
Legal Section	7
Legal Subdivision	SUPERVISOR ROY T GILBERT PLAT #11
Legal Lot Number	853
Legal Unit	853
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1001
Census Tract	646000

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	Company Name on Record
Mailing Address	9343 RIVER RD, CLAY, MI 48001-4009
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage LUXURY MORTGAGE CORP
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2008 · Amount on Record
Deed Sale	Jan 28, 2008 · Amount on Record
Prior Sale	Aug 7, 2007 · Amount on Record
Deed Document Number	20082029
Deed Book / Page	3807 / 63
Prior Transfer Date	Jul 26, 2007
Prior Transfer Doc	003751/959
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9343 RIVER RD, CLAY, MI 48001-4009
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004804/442
Date	Feb 28, 2017
Book Page	4804/442
Instrument	2017005305

Lender

Name	LUXURY MORTGAGE CORP
Type	Mortgage Company
Address	STAMFORD, CT 06901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9343 RIVER RD, CLAY, MI 48001-4009
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	JBN TITLE, JB TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9343 RIVER RD, CLAY, MI 48001-4009

Mortgage

Document Number	0005384163
Date	Jun 24, 2021
Book Page	5384/163
Instrument	2021018598

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	May 1, 2041

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		$218,600 (+14.93%)	$437,200 (+14.93%)
2025	$4,808.00 (+2.3%) Homeowner's exemption	$190,200 (+14.79%)
2024	$4,700.00 (+8.8%)		$380,400 (+14.79%)
2023		$165,700
2022	$4,320.00		$331,400

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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	11 (1981–2019)
Claims Outside the SFHA	8 of 11
Most Recent Claim	Jun 2019

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 98% of the US · lower than 95% 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 84 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 (outdoors only) and 4G LTE

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