St. Clair County property record for 9856 River Rd, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,150 sqft |
| Lot Size | 0.117 acres (5,097 sqft) |
| Owner | Trust Name on File |
| Last Sale | $30,000 (Apr 2011) |
| Tax Bill | $2,152 (2025) |
| Deeds & Mortgages | May 2018 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-056-0003-000 |
| Primary APN | 74-14-056-0003-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,150 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 5,097 sqft (0.117 acres) |
|---|---|
| Lot Dimensions | 65 ft deep x 75 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 9856 RIVER RD |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | BEG S 16 DEG 24 MIN W 317 FT FROM NE COR OF LOT 12 OAK GROVE SUBD, TH S 16 DEG 4 MIN W 45 FT, TH N 73 DEG 36 MIN W 80 FT, TH |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 16 |
| Legal Subdivision | OAK GROVE SUBD |
| Legal Lot Number | 12 |
| Legal Unit | 12 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 646000 |
9856 River Rd is owner-occupied and held in a trust since April 2018.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 9856 RIVER RD, CLAY, MI 48001-4535 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2011 · Amount on File |
| Deed Sale | Apr 21, 2011 · Amount on File |
| Deed Document Number | 201113031 |
| Deed Book / Page | 4143 / 773 |
| Last Transfer Date | Apr 17, 2018 |
| Transfer Doc | 0004943291 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | May 9, 2018 |
| Property Address | 9856 RIVER RD, CLAY, MI 48001-4535 |
| Document Number | 0049430291 |
| Book / Page | 004943 / 000291 |
| Instrument Date | Apr 17, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 9856 RIVER RD CLAY MI 480014535, CLAY, MI 48001-4535 |
The 2025 property tax bill for 9856 River Rd was $2,152 with a homeowner's exemption, up 2.2% from the year before.
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 | $118,400 (+13.85%) | $236,800 | |
| 2025 | $2,152.00 (+2.18%) Homeowner's exemption | $104,000 | |
| 2024 | $2,106.00 | $208,000 | |
| 2023 | $91,900 | ||
| 2022 | $1,944.00 | $183,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9856 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 risk around 9856 River Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% 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 | 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 |
| 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 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
4G LTE (outdoors only), no 5G reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures