9703 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9703 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 ba · 960 sqft · built 1986
Lot Size	0.148 acres (6,447 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Oct 2019)
Tax Bill	$3,204 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-14-487-0034-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-487-0034-000`

Interior

Full Baths	2 Baths
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	6,447 sqft (0.148 acres)
Lot Depth	112 ft Depth
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	9703 RIVER RD
City	CLAY
State	MI
Zip	48001-4533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 839 EXC S 10 FT SUP ROY T GILBERTS PLAT NO 11 PC 188 & 200 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	10
Legal Subdivision	SUPRVRS ROY T GILBERTS 11-CLAY
Legal Lot Number	839
Legal Unit	839
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	9703 RIVER RD, CLAY, MI 48001-4533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Sep 27, 2019	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE 1 AT SUBURBAN
Oct 22, 2019	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2019 · Amount on Record
Deed Sale	Oct 22, 2019 · Amount on Record
Prior Sale	Oct 22, 2019 · Amount on Record
Deed Document Number	201921995
Deed Book / Page	5110 / 835
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9703 RIVER RD, CLAY, MI 48001-4533
Transaction Type	Mortgage
Record Updated	Aug 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9703 RIVER RD, CLAY, MI 48001-4533

Mortgage

Document Number	5398607
Date	Jul 26, 2021
Book Page	5398/607
Instrument	2021021451

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9703 RIVER RD, CLAY, MI 48001-4533
Document Number	0051040469
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Nov 4, 2019
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	42675 LONI DR STERLING HEIGHTS MI 483132458, STERLING HEIGHTS, MI 48313-2458

Mortgage

Document Number	0051040469
Date	Oct 4, 2019
Book Page	005104/000469

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 22, 2019
Property Address	9703 RIVER RD, CLAY, MI 48001-4533
Document Number	0051100835
Book / Page	005110 / 000835
Instrument Date	Sep 27, 2019
Transaction Type	Transfer
Record Updated	Nov 13, 2019
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,763.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	42675 LONI DR STERLING HEIGHTS MI 483132458, STERLING HEIGHTS, MI 48313-2458

Mortgage

Document Number	51040469
Date	Oct 22, 2019
Book Page	005104/000469

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2049

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		$96,700 (+1.15%)	$193,400 (+1.15%)
2025	$3,204.00 (+2.27%) Homeowner's exemption	$95,600 (+7.78%)
2024	$3,133.00 (+4.78%)		$191,200 (+7.78%)
2023		$88,700
2022	$2,990.00		$177,400

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

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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