9539 Amy Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9539 Amy Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,468 sqft · built 2014
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$144,550 (Jul 2014)
Tax Bill	$3,848 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2020 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`74-01-173-0054-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-173-0054-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,468 sqft Living Area
1st Floor Area	1,468 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Ranch
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Area	882 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9539 AMY RD
City	CLAY
State	MI
Zip	48001-4820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 54 TIMBER RIDGE SUBDIVISION NO 3 ACCORDING TO THE PLAT RECORDED IN LIBER 106 PGS 1 THRU 10 ST CLAIR COUNTY REGISTER OF
Legal Subdivision	TIMBER RIDGE SUBDIVISION
Legal Lot Number	54
Legal Unit	54
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 September 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	9539 AMY RD, CLAY, MI 48001-4820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 22, 2020	Deed of Trust, Mortgage · Line of Credit LOWER
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOWER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2014 · Amount on File
Deed Sale	Jul 8, 2014 · Amount on File
Deed Document Number	201414920
Deed Book / Page	4518 / 574
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9539 AMY RD, CLAY, MI 48001-4820
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9539 AMY RD, CLAY, MI 48001-4820

Mortgage

Document Number	0000550577
Date	Mar 30, 2022
Book Page	5505/77
Instrument	2022008392

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9539 AMY RD, CLAY, MI 48001-4820
Document Number	0051820310
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	MEYMAX TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9539 AMY RD CLAY MI 480014820, CLAY, MI 48001-4820

Mortgage

Document Number	0051820310
Date	May 6, 2020
Book Page	005182/000310

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 5, 2040

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9539 AMY RD, CLAY, MI 48001-4820
Document Number	0051820316
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	MEYMAX TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9539 AMY RD CLAY MI 480014820, CLAY, MI 48001-4820

Mortgage

Document Number	0051820316
Date	May 6, 2020
Book Page	005182/000316

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 17, 2026

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
2026		$140,800 (+4.92%)	$281,600 (+4.92%)
2025	$3,848.00 (+2.04%) Homeowner's exemption	$134,200 (+18.45%)
2024	$3,771.00 (+12.1%)		$268,400 (+18.45%)
2023		$113,300
2022	$3,364.00		$226,600

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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