St. Clair County property record for 9665 River St, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,152 sqft |
| Lot Size | 0.161 acres (7,013 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $164,000 (Jun 2026) |
| Tax Bill | $3,005 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Jun 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-388-0012-000 |
| Primary APN | 74-14-388-0012-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Lot Area | 7,013 sqft (0.161 acres) |
|---|---|
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 9665 RIVER ST |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4666 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 5 BLK 2 THE RANDOLPH FRAZER SUBD. SECS 5 & 8 T2N R16E |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 05 |
| Legal Subdivision | THE RANDOLPH FRAZER SUBD |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Legal Unit | 5 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 646000 |
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 | 9665 RIVER ST, CLAY, MI 48001-4666 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jun 3, 2026 | Warranty Deed, Transfer GREATER MACOMB TITLE AGENCY |
| Jun 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HILLS FINANCIAL GROUP |
| May 20, 2022 | Land Contract, Transfer JBN TITLE, JB TITLE |
| Jun 3, 2026 | Warranty Deed, Transfer PREMIER TITLE COMPANY, PREMIER TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2026 · Amount on Record |
| Deed Sale | Jun 3, 2026 · Amount on Record |
| Prior Sale | Jun 3, 2026 · Amount on Record |
| Deed Document Number | 202611124 |
| Deed Book / Page | 5930 / 174 |
| Prior Transfer Date | Jun 24, 2005 |
| Prior Transfer Doc | 003376/208 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jun 3, 2026 |
| Property Address | 9665 RIVER ST, CLAY, MI 48001-4666 |
| Document Number | 0005930174 |
| Book / Page | 5930 / 174 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202611124 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Title Company | GREATER MACOMB TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $124,230.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9665 RIVER ST, CLAY, MI 48001-4666 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jun 10, 2026 |
| Property Address | 9665 RIVER ST, CLAY, MI 48001-4666 |
| Document Number | 0000011567 |
| Book / Page | 5932 / 59 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202611567 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 9135 WINDWARD DR, CLAY, MI 48001-4717 |
| Document Number | 0000011567, |
|---|---|
| Date | Jun 10, 2026 |
| Book Page | 5932/59 |
| Instrument | 202611567 |
| Name | HILLS FINANCIAL GROUP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Land Contract |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | May 20, 2022 |
| Property Address | 9665 RIVER ST, CLAY, MI 48001-4666 |
| Document Number | 0005524194 |
| Book / Page | 5524 / 194 |
| Map Reference | LB 24 PG 1 |
| Instrument Date | May 9, 2022 |
| Instrument | 2022012675 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2022 |
| Title Company | JBN TITLE, JB TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9665 RIVER ST, 9665, CLAY, MI 48001-4666 |
| Name | Verified Name |
|---|---|
| Address | 9665 RIVER ST, CLAY, MI 48001-4666 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jun 3, 2026 |
| Property Address | 9665 RIVER ST, CLAY, MI 48001-4666 |
| Document Number | 0005930172 |
| Book / Page | 5930 / 172 |
| Instrument Date | May 9, 2022 |
| Instrument | 202611123 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $112,110.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9665 RIVER ST, CLAY, MI 48001-4666 |
| Investor | Possibly a Property Investor |
Source: St. Clair County assessment roll, as of September 17, 2026
| 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 |
|---|---|---|---|
| 2026 | $62,800 (+15.44%) | $125,600 (+15.44%) | |
| 2025 | $3,005.00 (+6.64%) | $54,400 (+10.57%) | |
| 2024 | $2,818.00 (+103.32%) | $108,800 (+10.57%) | |
| 2023 | $49,200 | ||
| 2022 | $1,386.00 | $98,400 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% 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.
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 |
| 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 200 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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