St. Clair County property record for 9404 River Rd, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,804 sqft · built 1969 |
| Lot Size | 1.16 acres (50,617 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $369,900 (Aug 2026) |
| Tax Bill | $1,953 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-487-0007-000 |
| Primary APN | 74-14-487-0007-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,804 sqft Living Area |
| 1st Floor Area | 1,793 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Lot Area | 50,617 sqft (1.16 acres) |
| Lot Dimensions | 674 ft deep x 75 ft wide |
| Garage Area | 601 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9404 RIVER RD |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | S 75 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 |
Source: St. Clair County assessment roll, APN 74-14-487-0007-000, as of October 7, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 105 NORTH AVE, ALGONAC, MI 48001-1126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Aug 06, 2026 | Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE CORPORATION |
| Oct 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 06, 2026 · Amount on Record |
| Deed Sale | Aug 06, 2026 · Amount on Record |
| Deed Document Number | 202615866 |
| Deed Book / Page | 5951 / 331 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Aug 06, 2026 |
| Property Address | 9404 RIVER RD, CLAY, MI 48001-4010 |
| Document Number | 0000015866 |
| Book / Page | 5951 / 331 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 202615866 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280,199.25 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 NORTH AVE, ALGONAC, MI 48001-1126 |
| Document Number | 0000015800, |
|---|---|
| Date | Aug 06, 2026 |
| Instrument | 202615800 |
| Name | GOLD STAR MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9404 RIVER RD, CLAY, MI 48001-4010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005109581 |
|---|---|
| Date | Oct 17, 2019 |
| Book Page | 5109/581 |
| Instrument | 2019021719 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2049 |
| Rate Type | Fixed Rate |
|---|
Source: St. Clair County assessment roll as of October 7, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,953.00 (-42.79%) Homeowner's exemption | $119,500 (+6.98%) | |
| 2024 | $3,414.00 (+8.66%) | $239,000 (+6.98%) | |
| 2023 | $111,700 | ||
| 2022 | $3,142.00 | $223,400 |
Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), as of July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476460001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, 84 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system MI0000110, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF ALGONAC serves 4,110 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2026 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures