9616 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9616 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,252 sqft · built 1989
Lot Size	2.95 acres (128,502 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Sep 2016)
Tax Bill	$2,689 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-487-0013-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-487-0013-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	3,252 sqft Living Area
1st Floor Area	2,074 sqft
Basement Area	1,178 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	128,502 sqft (2.95 acres)
Lot Dimensions	612 ft deep x 210 ft wide
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	9616 RIVER RD
City	CLAY
State	MI
Zip	48001-4015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PART OF LOTS 818 & 819 EXC NE 100' THEREOF & EXC THAT PART THAT LIES S & E OF FOLL DESC LINE, BEG ON S LINE OF LOT 819 N 69D 6M W 530.19' FROM SE COR OF LOT 819, TH N 20D 57M E 105.31', TH S 69D 3M E 277.87', TH N 20D 57M E 105' TO N LINE SUPERVISOR
Legal Range	16E
Legal Township	02N
Legal Section	69
Legal Subdivision	SUPERVISORS ROY T GILBERTS PLAT NO 11
Legal Lot Number	818-819
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1002
Census Tract	646000

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	9616 RIVER RD, CLAY, MI 48001-4015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage STRONG HOME MORTGAGE LLC
Mar 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2016 · Amount on Record
Deed Sale	Sep 30, 2016 · Amount on Record
Deed Document Number	201621808
Deed Book / Page	4755 / 114
Last Transfer Date	Feb 5, 2020
Transfer Doc	0051580992
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9616 RIVER RD, CLAY, MI 48001-4015
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9616 RIVER RD, CLAY, MI 48001-4015

Mortgage

Document Number	0000548920
Date	Feb 17, 2022
Book Page	5489/20
Instrument	2022004094

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company
Address	MANASSAS, VA 20110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 3, 2020
Property Address	9616 RIVER RD, CLAY, MI 48001-4015
Document Number	0005158992
Book / Page	5158 / 992
Map Reference	LB 49 PG 19
Instrument Date	Feb 5, 2020
Instrument	2020005410
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	UNISOURCE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9616 RIVER RD, CLAY, MI 48001-4015

Mortgage

Document Number	2020005411
Date	Mar 3, 2020
Instrument	2020005411

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Clay Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,689.00 (-42.43%) Homeowner's exemption	$160,800 (+7.27%)
2024	$4,671.00 (+10.19%)		$321,600 (+7.27%)
2023		$149,900
2022	$4,239.00		$299,800

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
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 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

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
Adjoins Burnable Land	Yes

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 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

Cell Coverage

5G and 4G LTE (outdoors only)

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