For Sale
7214 Harbor Drive, Clay, MI 48001
$349,900
MLS # 20261040797 (Realcomp)
2 beds2 baths1,400 sqftBuilt 1992
1 / 60
Listing Description
Experience waterfront living at its finest! This beautifully maintained lakefront condo offers direct access to the North Chanel in a 5 minute boat ride directly from your private coveted boat slip, making it a dream for boating enthusiasts. Thoughtfully updated throughout, featuring wood flooring, granite countertops, a newer furnace, newer A/C unit, newer hot water tank, plus newer and updated windows and doors. Enjoy outdoor entertaining on the stunning new composite deck while taking in the peaceful waterfront setting. Additional highlights include a generator hookup, professionally cleaned air ducts, and a new roof coming soon for added peace of mind. Located on a private HOA-owned road, this exceptional property may also be sold with select furnishings, offering a truly move-in-ready opportunity. Don't miss your chance to enjoy the lakefront lifestyle you've been waiting for!
Source: SparkMLS
About this home
2-bedroom, 2-bath, 1,400 sq ft home in Clay Township in Clay built in 1992.
Currently offered at $349,900 (about $250/sq ft).
Property tax estimate: $2,082 per year ($174/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 SubtypeCondominium
Bedrooms2
Bathrooms2
Living Area1,400 sqft
Year Built1992
Stories2
Location
CityClay
MunicipalityClay Twp
Zip Code48001
CountySt. Clair
School DistrictAlgonac
Construction & Systems
ConstructionBrick
BasementCrawl Space
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/10/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
HOA
HOA Fee$325 / Monthly
Source: SparkMLS
Tax Information
Annual Tax$2,082
Parcel #74149200008000
Source: SparkMLS
Legal Description
UNIT 8 RIVER HAMLET CONDOMINIUMS ST CLAIR COUNTY CONDOMINIUM PLAN NO. 89 RECORDED 2-8-91 IN LIBER 1247 PAGES 494 TO 537
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 Charles N Tamou
Top Agent Realty
Frequently Asked Questions about 7214 Harbor Drive, Clay, MI 48001
Which school district serves 7214 Harbor Drive, Clay, MI 48001?
Per MLS# 20261040797, 7214 Harbor Drive, Clay, MI 48001 is in the Algonac boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Algonac directly to confirm enrollment eligibility.
What financing options are available for 7214 Harbor Drive, Clay, MI 48001?
Per MLS# 20261040797, this listing accepts Cash, Conventional, FHA, VA Loan financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 7214 Harbor Drive, Clay, MI 48001?
Per public tax records, annual property taxes for this property are $2,082. 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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 7214 Harbor Drive, Clay, MI 48001 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 7214 Harbor Drive, Clay, MI 48001 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. 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.
What utilities serve 7214 Harbor Drive, Clay, MI 48001?
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.
What is the crime rate in 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.
Map
Mortgage Calculator
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Monthly payment$2,594
Principal & interest$2,269
HOA$325
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 Harbor Drive, Clay, MI 48001
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Municipality
Clay Township
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