9650 Nook Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9650 Nook Rd, Clay, MI 48001

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,141 sqft · built 2003
Owner	Individual Name on File
Last Sale	$255,000 (Sep 2026)
Tax Bill	$2,842 (2025)
Deeds & Mortgages	Sep 2026 Sale Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-913-0009-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-913-0009-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,141 sqft Living Area
1st Floor Area	1,141 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Condo/Apartment
Garage Area	497 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9650 NOOK RD
City	CLAY
State	MI
Zip	48001-4628
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM
Legal Description	UNIT 9 CLAY COMMONS CONDOMINIUMS ST CLAIR COUNTY CONDOMINIUM PLAN NO. 188 MASTER DEED RCD 11-7-03 IN LIBER 2946 PGS 586 TO
Legal Subdivision	ST CLAIR COUNTY CONDOMINIUM
Legal Unit	9
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3013
Census Tract	646000

Owner

9650 Nook Rd, a condominium, is owned and occupied by an individual who bought it in September 2026.

Source: St. Clair County records, as of October 8, 2026

Owner of Record	Individual Name on File
Mailing Address	9165 ANCHOR BAY DR, CLAY, MI 48001-3525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Warranty Deed, Transfer LIBERTY TITLE
Jan 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jul 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2026 · Amount on File
Deed Sale	Sep 25, 2026 · Amount on File
Deed Document Number	202619522
Deed Book / Page	5968 / 373
Prior Transfer Date	Oct 26, 2020
Prior Transfer Doc	0005287923
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 25, 2026
Property Address	9650 NOOK RD, CLAY, MI 48001-4628
Document Number	0000019522
Book / Page	5968 / 373
Instrument Date	Sep 3, 2026
Instrument	202619522
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Tax	$193,162.50
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	9165 ANCHOR BAY DR, CLAY, MI 48001-3525

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9650 NOOK RD, CLAY, MI 48001-4628
Transaction Type	Mortgage
Record Updated	Feb 1, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9650 NOOK RD, CLAY, MI 48001-4628

Mortgage

Document Number	0005474768
Date	Jan 13, 2022
Book Page	5474/768
Instrument	2022000990

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	ALGONAC, MI 48001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9650 NOOK RD, CLAY, MI 48001-4628
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048460065
Date	Jul 5, 2017
Book Page	4846/065
Instrument	2017016679

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 14, 2020
Property Address	9650 NOOK RD, CLAY, MI 48001-4628
Document Number	0052870923
Book / Page	005287 / 000923
Instrument Date	Nov 26, 2020
Transaction Type	Transfer
Record Updated	Mar 10, 2021
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
Address	9650 NOOK RD CLAY MI 480014628, CLAY, MI 48001-4628

Tax Assessment & Valuation

The 2025 property tax bill for 9650 Nook Rd was $2,842 with a homeowner's exemption, up 2.2% from the year before.

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		$107,600 (+4.47%)	$215,200
2025	$2,842.00 (+2.23%) Homeowner's exemption	$103,000
2024	$2,780.00		$206,000
2023		$90,700
2022	$2,561.00		$181,400

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

FEMA maps place 9650 Nook Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1985.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	12 (1985–1995)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Aug 1995 · river or lake flooding

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

Wildfire risk around 9650 Nook Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CLAY TOWNSHIP serves 9,866 people · EPA ID MI0001450
Water Source	Purchased surface water from CITY OF ALGONAC
Last State Inspection	May 2021
Lead	3 ppb (2021–2023) 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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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