St. Clair County property record for 9882 River Rd, Clay, MI 48001 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,985 sqft · built 1978 |
| Lot Size | 0.162 acres (7,057 sqft) |
| Owner | Individual Name on File |
| Last Sale | $224,000 (Oct 2018) |
| Tax Bill | $2,520 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-316-0008-000 |
| Primary APN | 74-14-316-0008-000 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,985 sqft Living Area |
| 1st Floor Area | 1,285 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Lot Area | 7,057 sqft (0.162 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 9882 RIVER RD |
|---|---|
| City | CLAY |
| State | MI |
| Zip | 48001-4536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 OAK GROVE SUBD OF A PART OF PC 200 |
| Legal Subdivision | OAK GROVE SUBD |
| Legal Lot Number | 7 |
| Legal Unit | 7 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 646000 |
Source: St. Clair County records · APN 74-14-316-0008-000
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 | 9882 RIVER RD, CLAY, MI 48001-4536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 05, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU |
| Nov 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK |
| Oct 22, 2018 | Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 22, 2018 · Amount on Record |
| Deed Sale | Oct 22, 2018 · Amount on Record |
| Prior Sale | Nov 16, 2006 · Amount on Record |
| Deed Document Number | 201823609 |
| Deed Book / Page | 5000 / 700 |
| Prior Transfer Date | Aug 17, 2010 |
| Prior Transfer Doc | 004087/007 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9882 RIVER RD, CLAY, MI 48001-4536 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 9882 RIVER RD, CLAY, MI 48001-4536 |
| Document Number | 5346295 |
|---|---|
| Date | Apr 05, 2021 |
| Book Page | 5346/295 |
| Instrument | 2021009979 |
| Name | MICHIGAN SCHOOLS & GOVERNMENT CU |
|---|---|
| Type | Credit Union |
| Address | CLINTON TOWNSHIP, MI 48038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 9882 RIVER RD, CLAY, MI 48001-4536 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ATA NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0051220779 |
|---|---|
| Date | Nov 20, 2019 |
| Book Page | 5122/779 |
| Instrument | 2019024505 |
| Name | HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 01, 2034 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Oct 22, 2018 |
| Property Address | 9882 RIVER RD, CLAY, MI 48001-4536 |
| Document Number | 0005000700 |
| Book / Page | 5000 / 700 |
| Map Reference | LB 18 PG 180 |
| Instrument Date | Oct 12, 2018 |
| Instrument | 2018023609 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | ATA NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,926.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5041 POINTE DR, 5041, EAST CHINA, MI 48054-3511 |
| Name | Verified Name |
|---|---|
| Address | 8469 MARY ANN AVE, SHELBY TOWNSHIP, MI 48317-3207 |
| Document Number | 2018023610 |
|---|---|
| Date | Oct 22, 2018 |
| Instrument | 2018023610 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| 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 | $2,520.00 (-42.12%) Homeowner's exemption | $157,300 (+14.15%) | |
| 2024 | $4,354.00 (+8.74%) | $314,600 (+14.15%) | |
| 2023 | $137,800 | ||
| 2022 | $4,004.00 | $275,600 |
Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), updated July 20, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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