9996 River Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 9996 River Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,352 sqft
Lot Size	0.336 acres (14,636 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Oct 2017)
Tax Bill	$5,497 (2025)
Deeds & Mortgages	Oct 2026 Transfer Aug 2022 Second Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`74-14-460-0010-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-460-0010-000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	2,352 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft

Exterior

Lot Area	14,636 sqft (0.336 acres)
Lot Dimensions	112 ft deep x 130 ft wide
Garage Area	1,196 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9996 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	N 65 FT OF S 70 FT OF THAT PART OF LOT 677 LYING N OF LOT 676 & EXTD TO W LINE LOT 677 INC LAND TO RIVER BETW SIDE LINES EXTD
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	SUP ROY T GILBERTS PLAT #5
Legal Lot Number	676-677
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 October 20, 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	9996 RIVER RD, CLAY, MI 48001-4538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 4, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage T & I CU
Sep 20, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY ALLIANCE CU
Jun 25, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage T & I CU
Oct 3, 2017	Warranty Deed, Transfer KAYE FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2017 · Amount on Record
Deed Sale	Oct 3, 2017 · Amount on Record
Deed Document Number	201723648
Last Transfer Date	Sep 11, 2026
Transfer Doc	0000020455
Record Updated	Oct 29, 2026

October 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 7, 2026
Property Address	9996 RIVER RD, CLAY, MI 48001-4538
Document Number	0000020455
Book / Page	5972 / 578
Instrument Date	Sep 11, 2026
Instrument	202620455
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	9996 RIVER RD, CLAY, MI 48001-4538

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9996 RIVER RD, CLAY, MI 48001-4538
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9996 RIVER RD, CLAY, MI 48001-4538

Mortgage

Document Number	0005548968
Date	Aug 4, 2022
Book Page	5548/968
Instrument	2022018486

Lender

Name	T & I CU
Type	Credit Union
Address	CLAWSON, MI 48017

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Feb 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9996 RIVER RD, CLAY, MI 48001-4538
Transaction Type	Mortgage
Record Updated	Oct 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9996 RIVER RD, CLAY, MI 48001-4538

Mortgage

Document Number	5422436
Date	Sep 20, 2021
Book Page	5422/436
Instrument	2021026598

Lender

Name	COMMUNITY ALLIANCE CU
Type	Credit Union
Address	LIVONIA, MI 48150

Agreement

Type	Stand-Alone Second Mortgage
Term	59 Months
Due	Aug 30, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	9996 RIVER RD, CLAY, MI 48001-4538
Transaction Type	Mortgage
Record Updated	Jul 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9996 RIVER RD, CLAY, MI 48001-4538

Mortgage

Document Number	5385123
Date	Jun 25, 2021
Book Page	5385/123
Instrument	2021018751

Lender

Name	T & I CU
Type	Credit Union
Address	CLAWSON, MI 48017

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 3, 2017
Property Address	9996 RIVER RD, CLAY, MI 48001-4538
Document Number	0048750931
Book / Page	004875 / 000931
Instrument Date	Sep 19, 2017
Transaction Type	Transfer
Record Updated	Nov 7, 2017
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	125 E MAPLE RD TROY MI 480832715, TROY, MI 48083-2715

Mortgage

Document Number	48750933
Date	Oct 3, 2017
Book Page	004875/000933

Lender

Name	KAYE FIN'L
Type	Funding / Finance Company
Address	WEST BLOOMFIELD, MI 48322

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

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		$239,800 (+13.65%)	$479,600 (+13.65%)
2025	$5,497.00 (+2.31%) Homeowner's exemption	$211,000 (+26.96%)
2024	$5,373.00 (+25.8%)		$422,000 (+26.96%)
2023		$166,200
2022	$4,271.00		$332,400

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 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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