9617 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9617 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,782 sqft · built 1983
Lot Size	0.478 acres (20,822 sqft)
Owner	2 Individual Names on Record
Last Sale	$880,000 (Jun 2026)
Tax Bill	$6,652 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2019 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`74-14-487-0047-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-487-0047-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,782 sqft Living Area
1st Floor Area	1,942 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	20,822 sqft (0.478 acres)
Lot Dimensions	107 ft deep x 95 ft wide
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9617 RIVER RD
City	CLAY
State	MI
Zip	48001-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PART OF LOT 845, COMM AT SW COR OF LOT 845, TH S 69 DEG E 133.32 FT, TH N 4 DEG 47 MIN W 33.32 FT TO BEG OF DESC, TH N 4 DEG
Legal Range	16E
Legal Township	02N
Legal Section	69
Legal Subdivision	SUPRVRS ROY T GILBERTS 11-CLAY
Legal Lot Number	845
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1001
Census Tract	646000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7827 RIVER RD, COTTRELLVILLE, MI 48039-3337
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Warranty Deed, Transfer · Conventional Mortgage SUPERIOR NATIONAL BANK
Sep 11, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 11, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 22, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2026 · Amount on Record
Deed Sale	Jun 8, 2026 · Amount on Record
Deed Document Number	202611406
Deed Book / Page	5931 / 376
Prior Transfer Date	Aug 21, 2019
Prior Transfer Doc	0050950376
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 8, 2026
Property Address	9617 RIVER RD, CLAY, MI 48001-4016
Document Number	0000011406
Book / Page	5931 / 376
Instrument Date	Jun 3, 2026
Instrument	202611406
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$666,600.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7827 RIVER RD, COTTRELLVILLE, MI 48039-3337

Mortgage

Document Number	0005931379,
Date	Jun 8, 2026
Book Page	5931/379
Instrument	202611407

Lender

Name	SUPERIOR NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 11, 2019
Property Address	9617 RIVER RD, CLAY, MI 48001-4016
Document Number	0050950376
Book / Page	005095 / 000376
Instrument Date	Aug 21, 2019
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9617 RIVER RD CLAY MI 480014016, CLAY, MI 48001-4016

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 11, 2019
Property Address	9617 RIVER RD, CLAY, MI 48001-4016
Document Number	0050950377
Book / Page	005095 / 000377
Instrument Date	Aug 21, 2019
Transaction Type	Transfer
Record Updated	Oct 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	9617 RIVER RD CLAY MI 480014016, CLAY, MI 48001-4016

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 22, 2018
Property Address	9617 RIVER RD, CLAY, MI 48001-4016
Document Number	0050000382
Book / Page	005000 / 000382
Instrument Date	Oct 10, 2018
Transaction Type	Transfer
Record Updated	Nov 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	9617 RIVER RD CLAY MI 480014016, CLAY, MI 48001-4016

Tax Assessment & Valuation

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

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
2026		$330,500 (+15.24%)	$661,000 (+15.24%)
2025	$6,652.00 (+2.32%) Homeowner's exemption	$286,800 (+16.68%)
2024	$6,501.00 (+8.89%)		$573,600 (+16.68%)
2023		$245,800
2022	$5,970.00		$491,600

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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.

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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