9982 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9982 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,792 sqft
Lot Size	0.128 acres (5,576 sqft)
Owner	Individual Name on Record
Last Sale	$319,000 (Jan 2020)
Tax Bill	$2,529 (2025)
Deeds & Mortgages	Apr 2021 Transfer Jan 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-14-460-0011-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-460-0011-000`

Interior

Full Baths	2 Baths
Building Area	1,792 sqft Living Area
1st Floor Area	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	5,576 sqft (0.128 acres)
Lot Dimensions	159 ft deep x 35 ft wide
Garage Area	266 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	9982 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 678 SUPERVISOR ROY T GILBERTS PLAT NO 5 ACCORDING TO THE PLAT RECORDED IN LIBER 49 OF PLATS PG 3
Legal Range	16E
Legal Township	WP
Legal Section	02
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT NO 5
Legal Lot Number	678
Legal Unit	678
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 December 23, 2025

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	9982 RIVER RD, CLAY, MI 48001-4538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Jan 16, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2020 · Amount on Record
Deed Sale	Jan 16, 2020 · Amount on Record
Prior Sale	Jul 25, 2005 · Amount on Record
Deed Document Number	20201482
Deed Book / Page	5142 / 505
Last Transfer Date	Mar 27, 2021
Transfer Doc	0053440576
Record Updated	Jun 8, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 1, 2021
Property Address	9982 RIVER RD, CLAY, MI 48001-4538
Document Number	0005344576
Book / Page	5344 / 576
Map Reference	LB 49 PG 3
Instrument Date	Mar 27, 2021
Instrument	2021009583
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

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
Address	9982 RIVER RD, CLAY, MI 48001-4538

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 16, 2020
Property Address	9982 RIVER RD, CLAY, MI 48001-4538
Document Number	0005142505
Book / Page	5142 / 505
Map Reference	LB 49 PG 3
Instrument Date	Jan 6, 2020
Instrument	2020001482
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,743.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9982 RIVER RD, CLAY, MI 48001-4538

Mortgage

Document Number	2020001483
Date	Jan 16, 2020
Instrument	2020001483

Lender

Name	WELLS FARGO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

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
2025	$2,529.00 (-42.11%) Homeowner's exemption	$146,100 (+15.77%)
2024	$4,369.00 (+8.76%)		$292,200 (+15.77%)
2023		$126,200
2022	$4,017.00		$252,400

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 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

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures