9863 Willow Ct, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9863 Willow Ct, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,146 sqft
Lot Size	0.645 acres (28,096 sqft)
Owner	Individual Name on Record
Tax Bill	$4,635 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`74-14-424-0008-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-424-0008-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,146 sqft Living Area
1st Floor Area	1,073 sqft

Exterior

Lot Area	28,096 sqft (0.645 acres)
Lot Depth	350 ft Depth
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	9863 WILLOW CT
City	CLAY
State	MI
Zip	48001-4257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	LOTS 2 & 3 EXC N 50 FT SUP ROY T GILBERTS PLAT
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT
Legal Lot Number	2-3
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2001
Census Tract	647000

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	9863 WILLOW CT, CLAY, MI 48001-4257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 16, 2005
Transfer Doc	003386/183
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9863 WILLOW CT, CLAY, MI 48001-4257
Document Number	0048750425
Instrument Date	Aug 25, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9863 WILLOW CT CLAY MI 480014257, CLAY, MI 48001-4257

Mortgage

Document Number	0048750425
Date	Oct 2, 2017
Book Page	004875/000425

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate

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		$254,600 (+7.06%)	$509,200 (+7.06%)
2025	$4,635.00 (+2.3%) Homeowner's exemption	$237,800 (+11.54%)
2024	$4,531.00 (+8.79%)		$475,600 (+11.54%)
2023		$213,200
2022	$4,165.00		$426,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	579.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 143 policies
Nearby Flood Policies	143 in force
Nearby Flood Claims	77 (1985–2024)
Claims Outside the SFHA	56 of 77
Most Recent Claim	Jan 2024

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 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

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

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 155 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

Cell Coverage

5G (outdoors only) and 4G LTE

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