For Sale
7774 Colony Drive, Clay, MI 48001
$450,000
MLS # 20261041167 (Realcomp)
3 beds3 baths2,834 sqftBuilt 19530.18 acres
1 / 39
Listing Description
*Price Improvement* Enjoy 2,834 sq. ft. of waterfront living in this distinctive 1.5-story home featuring 3 bedrooms, 3 full bathrooms, large deck, and attached garage. Blending Mid-Century Modern architecture with the warmth of a lakeside cottage, the home offers an oversized kitchen, dining area, loft, large laundry room, and beautiful knotty pine accents throughout. The spacious upper-level bonus room provides endless possibilities for a fourth bedroom, guest suite, home office, or recreation space.Recent improvements include fresh interior paint in key living areas, updated recessed lighting, new exterior lighting, several new windows, a new garage door, newer appliances, a roof replaced within the last 10 years, and a reinforced, tied seawall.Step outside to a spacious waterfront deck overlooking the water—perfect for relaxing, entertaining, or enjoying boating, fishing, and swimming right from your backyard. BATVAI.
Source: SparkMLS
About this home
Located in Clay Township in Clay, this property offers 3-bedroom, 3-bath, 2,834 sq ft, with original construction dating to 1953.
Currently offered at $450,000 (about $159/sq ft).
Property tax estimate: $4,582 per year ($382/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
Bedrooms3
Bathrooms3
Living Area2,834 sqft
Lot Size0.18 acres
Year Built1953
Stories2
Location
CityClay
MunicipalityClay Twp
Zip Code48001
CountySt. Clair
School DistrictAlgonac
Construction & Systems
ConstructionStone, Wood Siding
BasementCrawl Space
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
InteriorWhirlpool Tub
Sale & Financing
Listed6/2/2026
Original Price$465,000
Terms AcceptedCash, Conventional
HOA
HOA Fee$107 / Annually
Source: SparkMLS
Tax Information
Annual Tax$4,582
Parcel #74142170145000
Source: SparkMLS
Legal Description
LOT 177 THE COLONY FRAC SECS 1 & 2 T2N 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 USDAPrice & Status History
Jun 3, 2026
Listed for sale
$465,000
More Homes in Clay Township
Listed by Kelly Larsh
Key Realty - Monroe
Frequently Asked Questions about 7774 Colony Drive, Clay, MI 48001
Which school district serves 7774 Colony Drive, Clay, MI 48001?
Per MLS# 20261041167, 7774 Colony 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 type of financing is accepted for this listing?
Per MLS# 20261041167, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 7774 Colony Drive, Clay, MI 48001?
Per public tax records, annual property taxes for this property are $4,582. 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, 7774 Colony 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 7774 Colony 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 7774 Colony 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$2,928
Principal & interest$2,919
HOA$9
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
7774 Colony Drive, Clay, MI 48001
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Municipality
Clay Township
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