St. Clair County property record for 9976 River Rd, Clay, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,014 sqft · built 1930 |
| Lot Size | 0.151 acres (6,578 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,792 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-460-0012-000 |
| Primary APN | 74-14-460-0012-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 2,014 sqft Living Area |
| 1st Floor Area | 1,426 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 6,578 sqft (0.151 acres) |
| Lot Dimensions | 82.1 ft deep x 80 ft wide |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 9976 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 679 SUP ROY T GILBERTS PLAT NO 5 FRAC SEC 2 T2N R16E |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 02 |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 5-CLAY |
| Legal Lot Number | 679 |
| Legal Unit | 679 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 646000 |
Source: St. Clair County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9976 RIVER RD, CLAY, MI 48001-4538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 30, 2024 |
| Transfer Doc | 0005734275 |
| Record Updated | Oct 29, 2026 |
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $147,700 (+16.03%) | $295,400 (+16.03%) | |
| 2025 | $2,792.00 (+2.23%) Homeowner's exemption | $127,300 (+15.1%) | |
| 2024 | $2,731.00 (+8.5%) | $254,600 (+15.1%) | |
| 2023 | $110,600 | ||
| 2022 | $2,517.00 | $221,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
4G LTE (outdoors only), no 5G reported
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