9378 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9378 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,755 sqft · built 1985
Lot Size	1.95 acres (84,942 sqft)
Owner	Individual Name on Record
Tax Bill	$2,973 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-487-0006-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-487-0006-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,755 sqft Living Area
1st Floor Area	1,404 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	84,942 sqft (1.95 acres)
Lot Dimensions	679 ft deep x 125 ft wide
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9378 RIVER RD
City	CLAY
State	MI
Zip	48001-4008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	N 125 FT OF LOT 815 EXC M-29 R/W SUPERVISOR ROY T GILBERT'S PLAT NO. 11
Legal Subdivision	SUPRVRS ROY T GILBERTS 11-CLAY
Legal Lot Number	815
Legal Unit	815
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1002
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	Individual Name on Record
Mailing Address	9378 RIVER RD, CLAY, MI 48001-4008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2020	Deed of Trust, Mortgage LHM FIN'L
Jan 31, 2018	Warranty Deed, Transfer · VA Mortgage ROSS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 19, 2025
Transfer Doc	0005791775
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9378 RIVER RD, CLAY, MI 48001-4008
Document Number	0052340073
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Sep 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9378 RIVER RD CLAY MI 480014008, CLAY, MI 48001-4008

Mortgage

Document Number	0052340073
Date	Sep 2, 2020
Book Page	005234/000073

Lender

Name	LHM FIN'L
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 31, 2018
Property Address	9378 RIVER RD, CLAY, MI 48001-4008
Document Number	0049130698
Book / Page	004913 / 000698
Instrument Date	Jan 22, 2018
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	FRANKLIN TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,741.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2052 CRESCENT LAKE RD WATERFORD TOWNSHIP MI 483293729, WATERFORD TOWNSHIP, MI 48329-3729

Mortgage

Document Number	49130700
Date	Jan 31, 2018
Book Page	004913/000700

Lender

Name	ROSS MTG
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2048

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		$97,800 (+4.26%)	$195,600 (+4.26%)
2025	$2,973.00 (+2.24%) Homeowner's exemption	$93,800 (+7.94%)
2024	$2,908.00 (+8.59%)		$187,600 (+7.94%)
2023		$86,900
2022	$2,678.00		$173,800

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 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 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ALGONAC serves 4,110 people · EPA ID MI0000110
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

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

Nearby Properties on River Rd

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