9659 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9659 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,720 sqft · built 1900
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Oct 2007)
Tax Bill	$5,064 (2025)
Deeds & Mortgages	Aug 2022 Second Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-14-487-0036-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-487-0036-000`

Interior

Full Baths	2 Baths
Building Area	2,720 sqft Living Area
1st Floor Area	1,360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	6,055 sqft (0.139 acres)
Lot Dimensions	151 ft deep x 40 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9659 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	LOT 841 EXC S 30 FT & S 2 FT OF LOT 842 SUPERVISOR ROY T GILBERT'S PLAT NO. 11
Legal Range	16E
Legal Township	02N
Legal Section	30
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #11
Legal Lot Number	841-842
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	Individual Name on Record
Mailing Address	9659 RIVER RD, CLAY, MI 48001-4016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE HUNTINGTON NATIONAL BANK
Jun 30, 2021	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Sep 2, 2020	Deed of Trust, Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2007 · Amount on Record
Deed Sale	Oct 30, 2007 · Amount on Record
Deed Document Number	200729403
Deed Book / Page	3779 / 931
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9659 RIVER RD, CLAY, MI 48001-4016
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9659 RIVER RD, CLAY, MI 48001-4016

Mortgage

Document Number	0005551507
Date	Aug 12, 2022
Book Page	5551/507
Instrument	2022019062

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9659 RIVER RD, CLAY, MI 48001-4016
Transaction Type	Mortgage
Record Updated	Jul 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9659 RIVER RD, CLAY, MI 48001-4016

Mortgage

Document Number	5386574
Date	Jun 30, 2021
Book Page	5386/574
Instrument	2021019178

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9659 RIVER RD, CLAY, MI 48001-4016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9659 RIVER RD, CLAY, MI 48001-4016

Mortgage

Document Number	0052340714
Date	Sep 2, 2020
Book Page	5234/714
Instrument	2020021099

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2035

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		$307,800 (+19.35%)	$615,600 (+19.35%)
2025	$5,064.00 (+2.3%) Homeowner's exemption	$257,900 (+19.9%)
2024	$4,950.00 (+25.51%)		$515,800 (+19.9%)
2023		$215,100
2022	$3,944.00		$430,200

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 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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