9418 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9418 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,100 sqft
Lot Size	0.367 acres (15,987 sqft)
Owner	Individual Name on File
Last Sale	$172,500 (May 2022)
Tax Bill	$2,858 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-469-0044-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-469-0044-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,100 sqft Living Area
1st Floor Area	1,100 sqft

Exterior

Lot Area	15,987 sqft (0.367 acres)
Lot Dimensions	200 ft deep x 80 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9418 STONE RD
City	CLAY
State	MI
Zip	48001-4439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	BEG S 56D 8M E 130.7' FROM NW COR OF LOT 764, TH S 56D 8M E 80', TH S 38D 29M W 200', TH N 56D 8M W 59.77', TH N 0D 13M W 48.19', TH S 56D 8M E 10', TH N 38D 29M E 159.96' TO BEG SUP ROY T GILBERTS PLAT NO 8 SEC 3 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	03
Legal Subdivision	SUPERVISORS ROY T GILBERTS PLAT #8
Legal Lot Number	764
Legal Unit	764
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3010
Census Tract	646000

Owner

Source: St. Clair County assessment roll, as of October 7, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	9418 STONE RD, CLAY, MI 48001-4439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Warranty Deed, Transfer · Conventional Mortgage LOW VA RATES LLC
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 27, 2022 · Amount on Record
Deed Sale	May 27, 2022 · Amount on Record
Prior Sale	Jul 14, 2016 · Amount on Record
Deed Document Number	202213184
Deed Book / Page	5526 / 515
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 27, 2022
Property Address	9418 STONE RD, CLAY, MI 48001-4439
Document Number	0005526515
Book / Page	5526 / 515
Map Reference	LB 49 PG 6&7
Instrument Date	Apr 28, 2022
Instrument	2022013184
Transaction Type	Transfer
Record Updated	Jun 16, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,293.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9418 STONE RD, 9418, CLAY, MI 48001-4439

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	27 DURRETT RD, LEOMA, TN 38468-5638

Mortgage

Document Number	0005522870
Date	May 17, 2022
Book Page	5522/870
Instrument	2022012362

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9418 STONE RD, CLAY, MI 48001-4439
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9418 STONE RD, CLAY, MI 48001-4439

Mortgage

Document Number	5429418
Date	Oct 1, 2021
Book Page	5429/418
Instrument	2021027914

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	297 Months
Due	Jul 1, 2046

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

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
2025	$2,858.00 (-28.06%)	$81,400 (+15.13%)
2024	$3,973.00 (+117.82%)		$162,800 (+15.13%)
2023		$70,700
2022	$1,824.00		$141,400

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	12 (1985–1995)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Aug 1995 · 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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