9515 Rachel Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9515 Rachel Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,250 sqft · built 2003
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$214,000 (Nov 2022)
Tax Bill	$2,508 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`74-01-172-0024-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-172-0024-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,250 sqft Living Area
1st Floor Area	1,212 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	225 ft deep x 67.1 ft wide
Garage Area	800 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9515 RACHEL RD
City	CLAY
State	MI
Zip	48001-4813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-1
Legal Description	LOT 24 TIMBER RIDGE SUBDIVISION NO. 2
Legal Subdivision	TIMBER RIDGE SUBDIVISION
Legal Lot Number	24
Legal Unit	24
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3003
Census Tract	649000

Owner

Source: St. Clair County records, as of December 23, 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 Record
Mailing Address	9515 RACHEL RD, CLAY, MI 48001-4813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Warranty Deed, Transfer · Conventional Mortgage CASON HOME LOANS
May 24, 2017	Warranty Deed, Transfer GRECO TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2022 · Amount on Record
Deed Sale	Nov 14, 2022 · Amount on Record
Prior Sale	May 24, 2017 · Amount on Record
Deed Document Number	202225458
Deed Book / Page	5578 / 18
Prior Transfer Date	Jun 20, 2011
Prior Transfer Doc	004351/869
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 14, 2022
Property Address	9515 RACHEL RD, CLAY, MI 48001-4813
Document Number	0000557818
Book / Page	5578 / 18
Map Reference	LB 102 PG 3&4
Instrument Date	Oct 21, 2022
Instrument	2022025458
Transaction Type	Transfer
Record Updated	Dec 5, 2022
Title Company	CISLO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,605.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9515 RACHEL RD, 9515, CLAY, MI 48001-4813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1441 GOFFE ST, SAINT CLAIR, MI 48079-5107

Mortgage

Document Number	0005573634
Date	Oct 26, 2022
Book Page	5573/634
Instrument	2022024386

Lender

Name	CASON HOME LOANS
Type	Mortgage Company
Address	NORTH PALM BEACH, FL 33408

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 24, 2017
Property Address	9515 RACHEL RD, CLAY, MI 48001-4813
Document Number	004833/347
Book / Page	4833 / 347
Map Reference	LB 102 PG 3&4
Instrument Date	May 11, 2017
Instrument	2017013631
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	GRECO TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9515 RACHEL RD, 9515, CLAY, MI 48001-4813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36556 BRENNAN RD, NEW BALTIMORE, MI 48047-6344

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Algonac City
County	St. Clair County
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,508.00 (-39.52%) Homeowner's exemption	$114,000 (+18.87%)
2024	$4,147.00 (+34.38%)		$228,000 (+18.87%)
2023		$95,900
2022	$3,086.00		$191,800

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
Flood Insurance Cost	Premium on Record median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Aug 2000 · rainfall accumulation

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	None beyond ember reach

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

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

May also be available: AT&T, Verizon.

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