For Sale
7214 Cardinal Street, Clay, MI 48001
$579,900
MLS # 20261021163 (Realcomp)
4 beds4 baths2,485 sqftBuilt 19600.27 acres
1 / 50
Listing Description
Welcome to the waterfront lifestyle in The Colony! Enjoy sunrises and sunsets fromyour open floor plan home with a beautiful, expansive granite & stainless steel kitchen,ideal for entertaining. Family room opens out to a deck, gorgeous yard, and a whopping98 feet of canal frontage with reinforced steel seawall. Large primary suite with balconyand walk-in closet. Primary bathroom with dual vanity, granite counter, jetted tub, andspacious shower. Upstairs laundry. Two more bedrooms and a bathroom upstairs.Additional entry-level bedroom and full bathroom. Easy access to boating from thecovered, recessed boat well with a boat hoist. The canal is wide, deep, and free-flowing.Home sits on 1.5 lots, for a larger than average yard and canal frontage.
Source: SparkMLS
About this home
Located in Clay Township in Clay, this property offers 4-bedroom, 4-bath, 2,485 sq ft, with original construction dating to 1960.
Listed at $579,900 (about $233/sq ft).
Property tax estimate: $4,248 per year ($354/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by DTE Electric Company; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms4
Living Area2,485 sqft
Lot Size0.27 acres
Year Built1960
Stories2
Location
CityClay
MunicipalityClay Twp
Zip Code48001
CountySt. Clair
School DistrictAlgonac
Construction & Systems
ConstructionBrick, Vinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorWhirlpool Tub
Sale & Financing
Listed3/31/2026
Original Price$585,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,248
Parcel #74141990083000
Source: SparkMLS
Legal Description
LOT 307 & E 1/2 OF LOT 306 BLUE WATER ISLES NO 2 FRAC SEC 1 & 2 T2N R15E & FRAC SEC 36 T3N R15E
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Kelly L Pine
The Agency Hall & Hunter
Frequently Asked Questions about 7214 Cardinal Street, Clay, MI 48001
What school district is 7214 Cardinal Street, Clay, MI 48001 in?
Per MLS# 20261021163, this property is served by Algonac. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 20261021163, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261021163, the most recent reported annual property tax for 7214 Cardinal Street, Clay, MI 48001 is $4,248. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 7214 Cardinal Street, Clay, MI 48001 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 7214 Cardinal Street, Clay, MI 48001 is in flood zone AE (high risk). Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: SEMCO Energy Gas Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Clay Twp police department or the St. Clair County sheriff's office.
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Monthly payment$3,761
Principal & interest$3,761
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
DTE Electric Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
7214 Cardinal Street, Clay, MI 48001
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Municipality
Clay Township
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