9970 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9970 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,272 sqft · built 2023
Lot Size	13.7 acres (599,908 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Mar 2022)
Tax Bill	$14,911 (2025)
Deeds & Mortgages	Apr 2023 Mortgage May 2023 Transfer + 3 more
Flood Zone	Zone AE (high risk)
APN	`74-14-460-0006-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-460-0006-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,272 sqft Living Area
1st Floor Area	1,192 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	599,908 sqft (13.7 acres)
Lot Dimensions	175 ft deep x 76.5 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9970 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 674 SUP ROY T GILBERTS PLAT NO 5 FRAC SEC 2 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	SUPERVISORY ROY T GILBERTS PLAT #5
Legal Lot Number	674
Legal Unit	674
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	4905 STONEHAVEN DR, COLUMBUS, OH 43220-2827
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage THE UNION BANK CO
May 1, 2023	Quit Claim Deed, Transfer ATA NATIONAL TITLE
Mar 31, 2022	Warranty Deed, Transfer JBN TITLE, JB TITLE
Mar 31, 2022	Correction Deed PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC
Aug 29, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Prior Sale	Aug 29, 2017 · Amount on Record
Deed Document Number	20228517
Deed Book / Page	5505 / 706
Last Transfer Date	Apr 12, 2023
Transfer Doc	0005617748
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9970 RIVER RD, CLAY, MI 48001-4538
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 STONEHAVEN DR, COLUMBUS, OH 43220-2827

Mortgage

Document Number	0005617500
Date	Apr 28, 2023
Book Page	5617/500
Instrument	2023007775

Lender

Name	THE UNION BANK CO
Type	Bank
Address	COLUMBUS GROVE, OH 45830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Apr 1, 2027
Change Frequency	6 Months
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	Other
Margin	3
Max Rate	12.5%

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 1, 2023
Property Address	9970 RIVER RD, CLAY, MI 48001-4538
Document Number	0005617748
Book / Page	5617 / 748
Map Reference	LB 49 PG 3
Instrument Date	Apr 12, 2023
Instrument	2023007858
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	ATA NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9691 LEE ST, ALGONAC, MI 48001-1090

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4905 STONEHAVEN DR, COLUMBUS, OH 43220-2827

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 31, 2022
Property Address	9970 RIVER RD, CLAY, MI 48001-4538
Document Number	0005505706
Book / Page	5505 / 706
Map Reference	LB 49 PG 3
Instrument Date	Feb 25, 2022
Instrument	2022008517
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	JBN TITLE, JB TITLE

Transaction

Amount	Amount Recorded
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16146 MILLAR RD, 16146, CLINTON TOWNSHIP, MI 48036-1629

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4905 STONEHAVEN DR, COLUMBUS, OH 43220-2827

March 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 31, 2022
Property Address	9970 RIVER RD, CLAY, MI 48001-4538
Document Number	0005505705
Book / Page	5505 / 705
Map Reference	LB 49 PG 3
Instrument Date	Feb 14, 2022
Instrument	2022008516
Record Updated	Sep 13, 2022
Title Company	PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9970 RIVER RD, CLAY, MI 48001-4538

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 29, 2017
Property Address	9970 RIVER RD, CLAY, MI 48001-4538
Document Number	0048630181
Book / Page	004863 / 000181
Instrument Date	Aug 24, 2017
Transaction Type	Transfer
Record Updated	Oct 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$903.00
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	32320 NEWCASTLE FAIR HAVEN MI 48023, FAIR HAVEN, MI 48023

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		$376,100 (+16.08%)	$752,200 (+16.08%)
2025	$14,911.00 (+94.89%)	$324,000 (+214.56%)
2024	$7,651.00 (+151.93%)		$648,000 (+214.56%)
2023		$103,000
2022	$3,037.00		$206,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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