9884 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9884 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,560 sqft
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Tax Bill	$3,309 (2025)
Deeds & Mortgages	May 2020 Mortgage Jul 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-14-316-0007-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-316-0007-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,560 sqft Living Area
1st Floor Area	960 sqft
Basement Area	948 sqft

Exterior

Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	9884 RIVER RD
City	CLAY
State	MI
Zip	48001-4536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 6 OAK GROVE SUBD OF A PART OF PC 200
Legal Subdivision	OAK GROVE SUBD
Legal Lot Number	6
Legal Unit	6
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	Individual Name on Record
Mailing Address	9884 RIVER RD, CLAY, MI 48001-4536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jul 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9884 RIVER RD, CLAY, MI 48001-4536
Document Number	0051930809
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9884 RIVER RD CLAY MI 480014536, CLAY, MI 48001-4536

Mortgage

Document Number	0051930809
Date	Jun 1, 2020
Book Page	005193/000809

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 31, 2035

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9884 RIVER RD, CLAY, MI 48001-4536
Document Number	0049660915
Instrument Date	Jul 5, 2018
Transaction Type	Mortgage
Record Updated	Jul 27, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9884 RIVER RD CLAY MI 480014536, CLAY, MI 48001-4536

Mortgage

Document Number	0049660915
Date	Jul 13, 2018
Book Page	004966/000915

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 12, 2033

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		$176,500 (+16.5%)	$353,000 (+16.5%)
2025	$3,309.00 (+2.26%) Homeowner's exemption	$151,500 (+13.65%)
2024	$3,236.00 (+8.63%)		$303,000 (+13.65%)
2023		$133,300
2022	$2,979.00		$266,600

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	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 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.

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 22 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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