9531 Rachel Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9531 Rachel Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,362 sqft · built 2003
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$153,000 (Apr 2005)
Tax Bill	$1,559 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-01-172-0027-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-172-0027-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,362 sqft Living Area
1st Floor Area	1,362 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	760 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9531 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 27 TIMBER RIDGE SUBDIVISION NO. 2
Legal Subdivision	TIMBER RIDGE SUBDIVISION
Legal Lot Number	27
Legal Unit	27
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 June 4, 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	9531 RACHEL RD, CLAY, MI 48001-4813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 28, 2020	Deed of Trust, Mortgage QUICKEN LOANS LLC
Dec 4, 2018	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2005 · Amount on Record
Deed Sale	Apr 4, 2005 · Amount on Record
Deed Document Number	20059773
Deed Book / Page	3312 / 700
Last Transfer Date	Nov 27, 2018
Transfer Doc	0005013265
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	May 20, 2026
Property Address	9531 RACHEL RD, CLAY, MI 48001-4813
Document Number	0000592631
Book / Page	5926 / 31
Instrument Date	May 15, 2026
Instrument	202610168
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9531 RACHEL RD, CLAY, MI 48001-4813

Mortgage

Document Number	0000010168,
Date	May 20, 2026
Book Page	5926/31
Instrument	202610168

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9531 RACHEL RD, CLAY, MI 48001-4813
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	JBN TITLE, JB TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9531 RACHEL RD, CLAY, MI 48001-4813

Mortgage

Document Number	0005404939
Date	Aug 9, 2021
Book Page	5404/939
Instrument	2021022733

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2041

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9531 RACHEL RD, CLAY, MI 48001-4813
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9531 RACHEL RD, CLAY, MI 48001-4813

Mortgage

Document Number	0005262677
Date	Oct 28, 2020
Book Page	5262/677
Instrument	2020026782

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 4, 2018
Property Address	9531 RACHEL RD, CLAY, MI 48001-4813
Document Number	0050130265
Book / Page	005013 / 000265
Instrument Date	Nov 27, 2018
Transaction Type	Transfer
Record Updated	Dec 27, 2018
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9531 RACHEL RD CLAY MI 480014813, CLAY, MI 48001-4813

Mortgage

Document Number	50130266
Date	Dec 4, 2018
Book Page	005013/000266

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 3, 2033

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	$1,559.00 (-38.01%) Homeowner's exemption	$114,900 (+18.82%)
2024	$2,515.00 (+12.38%)		$229,800 (+18.82%)
2023		$96,700
2022	$2,238.00		$193,400

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

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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