9414 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9414 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,606 sqft · built 1968
Lot Size	2.53 acres (110,425 sqft)
Owner	Trust Name on File
Last Sale	$180,000 (Jul 2018)
Tax Bill	$3,089 (2025)
Deeds & Mortgages	May 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-487-0010-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-487-0010-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,606 sqft Living Area
1st Floor Area	2,606 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	110,425 sqft (2.53 acres)
Lot Depth	695 ft Depth
Garage Area	408 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	9414 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	NLY 158.88 FT OF LOT 816 MEAS AT RT ANG TO N LOT LINE SUP ROY T GILBERTS PLAT NO 11 PC 188 & 200 T2N R16E
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #11
Legal Lot Number	816
Legal Unit	816
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1002
Census Tract	646000

Owner

9414 River Rd is owner-occupied and held in a trust since February 2025.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Trust Name on File
Mailing Address	9414 RIVER RD, CLAY, MI 48001-4010
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CTR
Jul 11, 2018	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2018 · Amount on File
Deed Sale	Jul 11, 2018 · Amount on File
Prior Sale	Aug 27, 2010 · Amount on File
Deed Document Number	201815656
Deed Book / Page	4965 / 957
Last Transfer Date	Feb 12, 2025
Transfer Doc	0000002681
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9414 RIVER RD, CLAY, MI 48001-4010
Document Number	0051990427
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9414 RIVER RD CLAY MI 480014010, CLAY, MI 48001-4010

Mortgage

Document Number	0051990427
Date	Jun 15, 2020
Book Page	005199/000427

Lender

Name	MORTGAGE CTR
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 11, 2018
Property Address	9414 RIVER RD, CLAY, MI 48001-4010
Document Number	0049650957
Book / Page	004965 / 000957
Instrument Date	Jun 15, 2018
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,548.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9414 RIVER RD CLAY MI 480014010, CLAY, MI 48001-4010

Mortgage

Document Number	49590602
Date	Jul 11, 2018
Book Page	004959/000602

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 10, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 9414 River Rd was $3,089 with a homeowner's exemption, up 2.3% from the year before.

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		$113,000 (+5.61%)	$226,000
2025	$3,089.00 (+2.25%) Homeowner's exemption	$107,000
2024	$3,021.00		$214,000
2023		$98,100
2022	$2,782.00		$196,200

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

Flood

FEMA maps place 9414 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 9414 River Rd is low, with a 0.01% annual chance of 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

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