9956 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9956 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,183 sqft · built 1910
Lot Size	0.207 acres (9,017 sqft)
Owner	Company Name on Record
Last Sale	$397,000 (Oct 2019)
Tax Bill	$7,598 (2025)
Deeds & Mortgages	Dec 2021 Transfer Oct 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-14-460-0013-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-460-0013-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,183 sqft Living Area
1st Floor Area	1,264 sqft
Basement Area	1,249 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	9,017 sqft (0.207 acres)
Lot Dimensions	174 ft deep x 67 ft wide
Garage Area	1,216 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9956 RIVER RD
City	CLAY
State	MI
Zip	48001-4538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 680 EXC S'LY 32' SUPERVISOR ROY T GILBERT'S PLAT NO. 5
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #5
Legal Lot Number	680
Legal Unit	680
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	Company Name on Record
Mailing Address	9956 RIVER RD, CLAY, MI 48001-4538
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2021	Intrafamily Transfer, Transfer
Oct 23, 2020	Deed of Trust, Mortgage QUICKEN LOANS LLC
Oct 11, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2019 · Amount on Record
Deed Sale	Oct 11, 2019 · Amount on Record
Prior Sale	Sep 29, 2011 · Amount on Record
Deed Document Number	201921288
Deed Book / Page	5107 / 764
Last Transfer Date	Dec 3, 2021
Transfer Doc	0005461549
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 9, 2021
Property Address	9956 RIVER RD, CLAY, MI 48001-4538
Document Number	0005461549
Book / Page	5461 / 549
Map Reference	LB 49 PG 3
Instrument Date	Dec 3, 2021
Instrument	2021034606
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9956 RIVER RD, CLAY, MI 48001-4538

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9956 RIVER RD, CLAY, MI 48001-4538
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9956 RIVER RD, CLAY, MI 48001-4538

Mortgage

Document Number	0052610161
Date	Oct 23, 2020
Book Page	5261/161
Instrument	2020026447

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 11, 2019
Property Address	9956 RIVER RD, CLAY, MI 48001-4538
Document Number	0051070764
Book / Page	005107 / 000764
Instrument Date	Oct 4, 2019
Transaction Type	Transfer
Record Updated	Nov 7, 2019
Title Company	ASK SERVICES INC, ASK SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,414.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 WHIMS LN ROCHESTER MI 483062663, ROCHESTER, MI 48306-2663

Mortgage

Document Number	51060910
Date	Oct 11, 2019
Book Page	005106/000910

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2049

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		$298,300 (+18.75%)	$596,600 (+18.75%)
2025	$7,598.00 (+2.33%) Homeowner's exemption	$251,200 (+17.05%)
2024	$7,425.00 (+10.29%)		$502,400 (+17.05%)
2023		$214,600
2022	$6,732.00		$429,200

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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