St. Clair County property record for 9812 River Rd, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,948 sqft · built 1911 |
| Lot Size | 0.195 acres (8,494 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,089 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-316-0012-000 |
| Primary APN | 74-14-316-0012-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,948 sqft Living Area |
| 1st Floor Area | 1,356 sqft |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Lot Area | 8,494 sqft (0.195 acres) |
| Lot Dimensions | 85 ft deep x 100 ft wide |
| Garage Area | 980 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 9812 RIVER RD |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 11 & THAT PART OF RIVER FRONT LYING BETW EXTD N & S LINES OF LOT 11 OAK GROVE SUBD OF A PART OF PC 200 |
| Legal Subdivision | OAK GROVE SUBD |
| Legal Lot Number | 11 |
| Legal Unit | 11,11 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 646000 |
Source: St. Clair County records · APN 74-14-316-0012-000
Assessment roll updated October 7, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | PO BOX 28, ALGONAC, MI 48001-0028 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2021 | Deed of Trust, Mortgage QUICKEN LOANS LLC |
| Jun 28, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NORTHSTAR BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Apr 16, 2010 |
| Transfer Doc | 004044/127 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9812 RIVER RD, CLAY, MI 48001-4534 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 9812 RIVER RD, CLAY, MI 48001-4534 |
| Document Number | 53437 |
|---|---|
| Date | Mar 30, 2021 |
| Book Page | 5343/7 |
| Instrument | 2021009210 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9812 RIVER RD, CLAY, MI 48001-4534 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ATA NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0049620606 |
|---|---|
| Date | Jun 28, 2018 |
| Book Page | 4962/606 |
| Instrument | 2018014861 |
| Name | NORTHSTAR BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2048 |
| Rate Type | Fixed Rate |
|---|
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,089.00 (-42.59%) Homeowner's exemption | $174,200 (+12.9%) | |
| 2024 | $3,639.00 (+8.69%) | $348,400 (+12.9%) | |
| 2023 | $154,300 | ||
| 2022 | $3,348.00 | $308,600 |
Source: FEMA National Flood Hazard Layer as of July 20, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 51 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF ALGONAC serves 4,110 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2026 |
| Lead | 3 ppb (2024–2026) 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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