St. Clair County property record for 9491 River Rd, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,856 sqft |
| Lot Size | 0.261 acres (11,369 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (May 2023) |
| Tax Bill | $3,331 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jan 2024 Transfer + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-271-0012-000 |
| Primary APN | 74-14-271-0012-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,856 sqft Living Area |
| 1st Floor Area | 976 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 11,369 sqft (0.261 acres) |
|---|---|
| Lot Dimensions | 140 ft deep x 5 ft wide |
| Garage Area | 448 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 9491 RIVER RD |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | S 91.12', MEAS ALG E & W LINES, OF LOTS 11 & 12 ALSO E 5' OF REMAINDER OF LOT 11 HEMENGERS SUBD. PC NO 200 T2N R16E |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 11 |
| Legal Subdivision | HEMENGERS SUBD |
| Legal Lot Number | 11-12 |
| Legal Unit | 1,11 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 646000 |
9491 River Rd is owned and occupied by an individual who acquired it in December 2023.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9491 RIVER RD, CLAY, MI 48001-4013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 19, 2026 | Deed of Trust, Mortgage · FHA Mortgage UNION HOME MORTGAGE CORP |
| Jan 3, 2024 | Intrafamily Transfer, Transfer |
| Jun 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage UNION HOME MORTGAGE CORP |
| May 26, 2023 | Warranty Deed, Transfer ATA NATIONAL TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2023 · Amount on File |
| Deed Sale | May 26, 2023 · Amount on File |
| Prior Sale | Mar 14, 2008 · Amount on File |
| Deed Document Number | 20239597 |
| Deed Book / Page | 5625 / 347 |
| Last Transfer Date | Dec 30, 2023 |
| Transfer Doc | 0005680892 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9491 RIVER RD, CLAY, MI 48001-4013 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 9491 RIVER RD, CLAY, MI 48001-4013 |
| Document Number | 0005906791 |
|---|---|
| Date | Mar 19, 2026 |
| Book Page | 5906/791 |
| Instrument | 2026005003 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | 14843 W SPRAGUE RD STE I, STRONGSVILLE, OH 44136 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 327 Months |
| Due | Jun 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 3, 2024 |
| Property Address | 9491 RIVER RD, CLAY, MI 48001-4013 |
| Document Number | 0005680892 |
| Book / Page | 5680 / 892 |
| Map Reference | LB 41 PG 10 |
| Instrument Date | Dec 30, 2023 |
| Instrument | 2024000188 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9491 RIVER RD, CLAY, MI 48001-4013 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9491 RIVER RD, CLAY, MI 48001-4013 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9491 RIVER RD, CLAY, MI 48001-4013 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 4786 RIVERVIEW DR, WATERFORD, MI 48329-3764 |
| Document Number | 0005630915 |
|---|---|
| Date | Jun 20, 2023 |
| Book Page | 5630/915 |
| Instrument | 2023010978 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | May 26, 2023 |
| Property Address | 9491 RIVER RD, CLAY, MI 48001-4013 |
| Document Number | 0005625347 |
| Book / Page | 5625 / 347 |
| Map Reference | LB 41 PG 10 |
| Instrument Date | May 15, 2023 |
| Instrument | 2023009597 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2023 |
| Title Company | ATA NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,237.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 51990 KRISTEN, CHESTERFIELD, MI 48047-3149 |
| Name | Verified Name |
|---|---|
| Address | 4786 RIVERVIEW DR, WATERFORD, MI 48329-3764 |
The 2025 property tax bill for 9491 River Rd was $3,331 with a homeowner's exemption, up 2.2% from the year before.
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 | $122,000 (+17.87%) | $244,000 | |
| 2025 | $3,331.00 (+2.24%) Homeowner's exemption | $103,500 | |
| 2024 | $3,258.00 | $207,000 | |
| 2023 | $93,900 | ||
| 2022 | $3,694.00 | $187,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9491 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 9491 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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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