St. Clair County property record for 9648 River Rd, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,294 sqft |
| Lot Size | 3.04 acres (132,422 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $104,000 (Dec 2009) |
| Tax Bill | $2,672 (2024) |
| Deeds & Mortgages | May 2021 Second Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-487-0019-000 |
| Primary APN | 74-14-487-0019-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 2,294 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 132,422 sqft (3.04 acres) |
|---|---|
| Lot Depth | 918 ft Depth |
| Heating System | Forced Air |
|---|
| Account Number | 74144870019000 |
|---|---|
| Street Address | 9648 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 | LOTS 820 & 821 EXC M-29 R/W SUPERVISOR ROY T GILBERT'S PLAT NO 11 |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 11-CLAY |
| Legal Lot Number | 820-821 821 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 646000 |
Source: St. Clair County records, as of October 6, 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 | 9648 RIVER RD, CLAY, MI 48001-4015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2009 · Amount on Record |
| Deed Sale | Dec 2, 2009 · Amount on Record |
| Prior Sale | Oct 19, 2009 · Amount on Record |
| Deed Document Number | 2009026270 |
| Deed Book / Page | 4004 / 180 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9648 RIVER RD, CLAY, MI 48001-4015 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 9648 RIVER RD, CLAY, MI 48001-4015 |
| Document Number | 0000536522 |
|---|---|
| Date | May 12, 2021 |
| Book Page | 5365/22 |
| Instrument | 2021014476 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 222 Months |
| Due | Nov 1, 2039 |
Source: St. Clair County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $91,800 (+0.44%) | ||
| 2024 | $2,672.00 (+8.22%) | $183,600 (+0.44%) | |
| 2023 | $91,400 | ||
| 2022 | $2,469.00 | $182,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
5G and 4G LTE (outdoors only)
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