St. Clair County property record for 9454 River Rd, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,582 sqft |
| Lot Size | 4.19 acres (182,908 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,705 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit May 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-487-0008-000 |
| Primary APN | 74-14-487-0008-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,582 sqft Living Area |
| 1st Floor Area | 854 sqft |
| Basement Area | 728 sqft |
| Lot Area | 182,908 sqft (4.19 acres) |
|---|---|
| Lot Depth | 717 ft Depth |
| Garage Area | 2,400 sqft |
| Parking Spaces | 8 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 9454 RIVER RD |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 816 EXC SLY 70 FT & EXC NLY 158.88 FT MEAS AT RT ANG TO N LOT LINE SUP ROY T GILBERTS PLAT NO 11 PC 188 & 200 T2N R16E |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 11-CLAY |
| 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 |
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 | 9454 RIVER RD, CLAY, MI 48001-4012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2023 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| May 3, 2022 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| May 5, 2017 | Deed of Trust, Mortgage FIFTH THIRD BANK |
| Jun 5, 2020 | Deed of Trust, Mortgage · VA Mortgage FIFTH THIRD BK NA |
| Apr 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOV'T CU |
| Oct 4, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 18, 2017 |
| Transfer Doc | 2017023769 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9454 RIVER RD, CLAY, MI 48001-4012 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2024 |
| Name | Verified Name |
|---|---|
| Address | 9454 RIVER RD, CLAY, MI 48001-4012 |
| Document Number | 0005671335 |
|---|---|
| Date | Nov 16, 2023 |
| Book Page | 5671/335 |
| Instrument | 2023020302 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9454 RIVER RD, CLAY, MI 48001-4012 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 9454 RIVER RD, CLAY, MI 48001-4012 |
| Document Number | 0005517150 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 5517/150 |
| Instrument | 2022011094 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Amount | Amount Recorded |
|---|---|
| Term | 179 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9454 RIVER RD, CLAY, MI 48001-4012 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0048270741 |
|---|---|
| Date | May 5, 2017 |
| Book Page | 4827/741 |
| Instrument | 2017012249 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | May 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9454 RIVER RD, CLAY, MI 48001-4012 |
| Document Number | 0052060017 |
| Instrument Date | Jun 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 9454 RIVER RD CLAY MI 480014012, CLAY, MI 48001-4012 |
| Document Number | 0052060017 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 005206/000017 |
| Name | FIFTH THIRD BK NA |
|---|---|
| Address | GRAND RAPIDS, MI 49546 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 28, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9454 RIVER RD, CLAY, MI 48001-4012 |
| Document Number | 0050530716 |
| Instrument Date | Apr 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2019 |
| Title Company | BEST HMS TITLE AGENCY LLC, BEST HMS TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 9454 RIVER RD CLAY MI 480014012, CLAY, MI 48001-4012 |
| Document Number | 0050530716 |
|---|---|
| Date | May 6, 2019 |
| Book Page | 005053/000716 |
| Name | MICHIGAN SCHOOLS & GOV'T CU |
|---|---|
| Type | Credit Union |
| Address | CLINTON TOWNSHIP, MI 48038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 5, 2034 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Oct 4, 2017 |
| Property Address | 9454 RIVER RD, CLAY, MI 48001-4012 |
| Document Number | 0048760560 |
| Book / Page | 004876 / 000560 |
| Instrument Date | Aug 18, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 18804 DAVIDSON ST ROSEVILLE MI 480661079, ROSEVILLE, MI 48066-1079 |
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $120,700 (+3.61%) | $241,400 (+3.61%) | |
| 2025 | $2,705.00 (+2.23%) Homeowner's exemption | $116,500 (+14.1%) | |
| 2024 | $2,646.00 (+8.53%) | $233,000 (+14.1%) | |
| 2023 | $102,100 | ||
| 2022 | $2,438.00 | $204,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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