9654 Nook Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9654 Nook Rd, Clay, MI 48001

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,141 sqft · built 2004
Owner	Individual Name on Record
Last Sale	$149,900 (Jul 2019)
Tax Bill	$3,057 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`74-14-913-0010-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-913-0010-000`

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 2004
Effective Year Built	Effective 2004
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	9654 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 10 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	10
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3013
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	Individual Name on Record
Mailing Address	9654 NOOK RD, CLAY, MI 48001-4628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage POINT DIGITAL FINANCE INC
Jul 11, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2019 · Amount on Record
Deed Sale	Jul 11, 2019 · Amount on Record
Prior Sale	Nov 10, 2008 · Amount on Record
Deed Document Number	201914040
Deed Book / Page	5074 / 657
Last Transfer Date	Apr 18, 2024
Transfer Doc	0005707643
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9654 NOOK RD, CLAY, MI 48001-4628
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	CLEAREDGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9654 NOOK RD 10, 10, CLAY, MI 48001-4628

Mortgage

Document Number	0005549575
Date	Aug 5, 2022
Book Page	5549/575
Instrument	2022018622

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 20, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 11, 2019
Property Address	9654 NOOK RD, CLAY, MI 48001-4628
Document Number	0050740657
Book / Page	005074 / 000657
Instrument Date	Jun 21, 2019
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$1,289.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10166 SAINT JOHN DR CLAY MI 480014290, CLAY, MI 48001-4290

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		$105,800 (+4.75%)	$211,600 (+4.75%)
2025	$3,057.00 (+5.6%) Homeowner's exemption	$101,000 (+13.61%)
2024	$2,895.00 (+8.59%)		$202,000 (+13.61%)
2023		$88,900
2022	$2,666.00		$177,800

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
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

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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