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Single Family ResidenceResidential
$145,260$106 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $64,000 on Apr 12, 2011

9649 RIVER ST

CLAY, MI 48001
2
Baths
1,375 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$145K
$129K low$161K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$64,000 · Apr 12, 2011
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$80,060
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$64,048
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.43%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$51,200
HUNTINGTON NATIONAL BANK · recorded Apr 12, 2011
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$14,000
NORTHSTAR BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,612 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$88,100 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$88,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$176,200

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.1 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySt. Clair
Lot (acres)The size of the land the home sits on, from county records.0.16
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(2)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Algonac Juniorsenior High SchoolC+
Middle · Grades 7–12 · 0.8 mi
E
Millside Elementary School
Elementary · Grades PK–1 · 1.4 mi

District: Algonac Community School District

Neighborhood · ZIP 48001These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.138
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.11,036
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.333 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,096
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,758
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.33 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.53%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

9649 River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 81% of homes in Algonac 48001
  • Costs less per square foot than 90% of homes in Algonac 48001
  • Has a smaller lot than 84% of homes in St. Clair County
  • Newer than 86% of homes in St. Clair County

What homes are worth in Algonac 48001

Each bar is how many homes fall in that price range. The marker is this home.

This home
$32K$764K

This home is worth more than 19% of homes in Algonac 48001.

How it measures up in Algonac 48001

The dot is this home. The mark in the middle is the typical home in Algonac 48001.

Estimated value$145,260
CheaperTypical $236,274Pricier

Pricier than 19% of homes nearby

Price per ft²$106
CheaperTypical $171Pricier

Pricier than 10% of homes nearby

Living area1,375 ft²
SmallerTypical 1,470 ft²Bigger

Bigger than 43% of homes nearby

Lot size0.16 ac
SmallerTypical 0.24 acBigger

Bigger than 17% of homes nearby

Year built1999
OlderTypical 1977Newer

Newer than 82% of homes nearby

How 9649 River St ranks against every home in each area.
MeasureThis homeAlgonac 48001St. Clair County
Estimated valuepricier than$145,26019% of homes23% of homes
Price per ft²pricier than$10610% of homes18% of homes
Living areabigger than1,375 ft²43% of homes41% of homes
Lot sizebigger than0.16 ac17% of homes16% of homes
Year builtnewer than199982% of homes86% of homes

About 9649 River St

How much is 9649 River St, Clay, MI worth?

The TopHap Estimate for 9649 River St, Clay, MI is $145,260 as of Jul 14, 2026. The likely range is $129,368 to $161,152. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 9649 River St, Clay, MI last sell?

9649 River St, Clay, MI last sold on Apr 12, 2011 for $64,000, according to the county's recorded deed.

How big is 9649 River St, Clay, MI?

9649 River St, Clay, MI has 2 bathrooms, 1,375 square feet of living space and a 0.16-acre lot.

When was 9649 River St, Clay, MI built?

9649 River St, Clay, MI was built in 1999, making it 27 years old.

What schools serve 9649 River St, Clay, MI?

9649 River St, Clay, MI is assigned to Algonac Juniorsenior High School (middle), rated C+; Millside Elementary School (elementary). All sit in Algonac Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 9649 River St, Clay, MI compare to other homes in Algonac 48001?

Among the 6,224 homes in Algonac 48001, it is worth more than 19% of them ($145,260 against a typical $236,274), its price per square foot is higher than 10% of them ($106 against a typical $171), it is bigger than 43% of them (1,375 ft² against a typical 1,470 ft²), its lot is bigger than 17% of them (0.16 ac against a typical 0.24 ac) and it is newer than 82% of them (1999 against a typical 1977). Measured against all of St. Clair County, it is worth more than 23% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 9649 River St, Clay, MI?

The 2024 property tax bill for 9649 River St, Clay, MI was $1,612. The county assessed it at $88,100.

More homes on River St

Closest homes

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Assigned schools

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