9762 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9762 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1,226 sqft
Lot Size	2.46 acres (107,506 sqft)
Owner	Company Name on Record
Last Sale	$340,000 (Sep 2021)
Tax Bill	$6,942 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jun 2017 Transfer
Flood Zone	Zone AE (high risk)
APN	`74-14-487-0029-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-487-0029-000`

Interior

Units	20 Units
Stories	1 Story
Building Area	1,226 sqft Living Area
Gross Area	3,210 sqft
1st Floor Area	1,226 sqft

Exterior

Fire Resistance	Wood or Wood & Steel Frame
Lot Area	107,506 sqft (2.46 acres)
Lot Dimensions	1,036 ft deep x 105 ft wide
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	9762 RIVER RD
City	CLAY
State	MI
Zip	48001-4544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	LOT 830 SUPERVISOR ROY T GILBERT'S PLAT NO. 11
Legal Subdivision	ROY T GILBERTS
Legal Lot Number	830
Legal Unit	830
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1002
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	Company Name on Record
Mailing Address	4811 POINTE TREMBLE RD, ALGONAC, MI 48001-4766
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Warranty Deed, Transfer · Commercial Mortgage LEVEL ONE BANK
Jun 5, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2021 · Amount on Record
Deed Sale	Sep 15, 2021 · Amount on Record
Deed Document Number	202126408
Deed Book / Page	5421 / 549
Prior Transfer Date	Jun 5, 2017
Prior Transfer Doc	0048370002
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 15, 2021
Property Address	9762 RIVER RD, CLAY, MI 48001-4544
Document Number	5421549
Book / Page	5421 / 549
Map Reference	LB 49 PG 19
Instrument Date	Aug 18, 2021
Instrument	2021026408
Transaction Type	Transfer
Record Updated	Oct 1, 2021
Title Company	PREMIER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9762 N RIVER RD, 9762, WARBRANCH, KY 40874

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9762 RIVER RD, CLAY, MI 48001-4544

Mortgage

Document Number	0000541745
Date	Sep 3, 2021
Book Page	5417/45
Instrument	2021025371

Lender

Name	LEVEL ONE BANK
Type	Bank
Address	FARMINGTON, MI 48334

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 5, 2017
Property Address	9762 RIVER RD, CLAY, MI 48001-4544
Document Number	0048370002
Book / Page	004837 / 000002
Instrument Date	Jun 5, 2017
Transaction Type	Transfer
Record Updated	Jul 21, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52190 WATKINS GLEN DR MACOMB MI 480426027, MACOMB, MI 48042-6027

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		$189,400 (+13.62%)	$378,800 (+13.62%)
2025	$6,942.00 (+2.63%)	$166,700 (+6.65%)
2024	$6,764.00 (+11.05%)		$333,400 (+6.65%)
2023		$156,300
2022	$6,091.00		$312,600

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	Direct burnable vegetation

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	CITY OF ALGONAC serves 4,110 people · EPA ID MI0000110
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	3 ppb (2024–2026) 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

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