9994 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9994 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,715 sqft
Lot Size	0.385 acres (16,814 sqft)
Owner	Individual Name on File
Last Sale	$455,800 (May 2018)
Tax Bill	$8,977 (2024)
Deeds & Mortgages	Apr 2017 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-14-460-0009-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-460-0009-000`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	2,715 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	16,814 sqft (0.385 acres)
Lot Depth	210 ft Depth
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	74144600009000
Street Address	9994 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	BEG S 15D 32M W 80' FROM NE COR LOT 677, TH S 15D 32M W 79.95',TH N 73D 47M W 215.95',TH N 17D 34M 30S E 80.05', TH S 73D 47M
Legal Subdivision	SUPRVRS ROY T GILBERTS 5-CLAY
Legal Lot Number	677
Legal Unit	677
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1002
Census Tract	646000

Owner

Source: St. Clair County assessment roll, as of March 1, 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 File
Mailing Address	9994 RIVER RD, CLAY, MI 48001-4538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Sep 23, 2019	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE 1 AT SUBURBAN
May 23, 2018	Warranty Deed, Transfer · Conventional with PMI MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 23, 2018 · Amount on Record
Deed Sale	May 23, 2018 · Amount on Record
Deed Document Number	2018012016
Deed Book / Page	4948 / 546
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9994 RIVER RD, CLAY, MI 48001-4538
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048200491
Date	Apr 18, 2017
Book Page	4820/491
Instrument	2017009851

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9994 RIVER RD, CLAY, MI 48001-4538
Document Number	0051100278
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9994 RIVER RD CLAY MI 480014538, CLAY, MI 48001-4538

Mortgage

Document Number	0051100278
Date	Oct 21, 2019
Book Page	005110/000278

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 23, 2018
Property Address	9994 RIVER RD, CLAY, MI 48001-4538
Document Number	0049480546
Book / Page	004948 / 000546
Instrument Date	May 3, 2018
Transaction Type	Transfer
Record Updated	Jun 13, 2018
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,919.88
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19917 S RIVERHILL DR CLINTON TOWNSHIP MI 480361868, CLINTON TOWNSHIP, MI 48036-1868

Mortgage

Document Number	49480548
Date	May 23, 2018
Book Page	004948/000548

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2048

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 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		$304,000 (+17.56%)
2024	$8,977.00 (+8.63%)		$608,000 (+17.56%)
2023		$258,600
2022	$8,264.00		$517,200

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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