9565 Rachel Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9565 Rachel Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,880 sqft · built 1999
Lot Size	0.769 acres (33,541 sqft)
Owner	Individual Name on File
Last Sale	$183,000 (Mar 2016)
Tax Bill	$4,370 (2024)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-01-172-0034-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-172-0034-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,880 sqft Living Area

Exterior

Year Built	Built 1999
Lot Area	33,541 sqft (0.769 acres)
Lot Dimensions	674 ft deep x 49.6 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	74011720034000
Street Address	9565 RACHEL RD
City	CLAY
State	MI
Zip	48001-4813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 34 TIMBER RIDGE SUBDIVISION NO. 2
Legal Subdivision	TIMBER RIDGE SUBDIVISION
Legal Lot Number	34
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3003
Census Tract	649000

Owner

Source: St. Clair County records · APN 74-01-172-0034-000

Assessment roll updated March 1, 2025 · Last verified October 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 File
Co-owner	Verified Secondary Owner
Mailing Address	9565 RACHEL RD, CLAY, MI 48001-4813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 18, 2016 · Amount on Record
Deed Sale	Mar 18, 2016 · Amount on Record
Deed Document Number	2016005646
Deed Book / Page	4691 / 167
Record Updated	Jun 07, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9565 RACHEL RD, CLAY, MI 48001-4813
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9565 RACHEL RD, CLAY, MI 48001-4813

Mortgage

Document Number	0052600455
Date	Oct 22, 2020
Book Page	5260/455
Instrument	2020026347

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2035

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated March 1, 2025 · Last verified October 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$140,800 (+17.92%)
2024	$4,370.00 (+12.05%)		$281,600 (+17.92%)
2023		$119,400
2022	$3,900.00		$238,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), as of July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476490003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Aug 2000 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 360 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MI0000110, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF ALGONAC serves 4,110 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.