For Sale
8395 N Channel - Harsens Island, Clay, MI 48001
$299,000
MLS # 20261051053 (Realcomp)
3 beds1 bath1,389 sqftBuilt 19230.49 acres
1 / 81
Listing Description
Land contract terms available.A rare opportunity for an Island Cottage on the North Channel - Harsens Island neighborhood - part of the St Clair Flats/North Channel Flats, just upstream from the entrance of Anchor Bay on Lake St Clair. The cottage is minutes away by boat from all of your favorite lake hangouts.This is a water access only Island Cottage. The cottage is just a short three minute boat ride from the mainland on Anchor Bay Drive (rented boat well/parking lot).This property is surrounded by stunning panoramic views of water, sunrise and sunset skies. The scenic beauty is endless. Words and pictures barely describe the incredible views. The property location is known for being one of the best areas for recreational boating, fishing and hunting.Enjoy an open floor plan, enclosed front porch, front and rear decks, and a 300+ foot sea wall offering exceptional dockage around the island. The property includes a 40‘ x 16‘ covered boat hoist with a 16,000 pound lift capacity (fits up to 12 foot beam) and a 12‘ x 10‘ utility storage shed.For the investors, this property has the potential of being a unique vacation rental.Cottage is turnkey ready. Owner is open to selling fully furnished. Agent is owner.
Source: SparkMLS
About this home
This 3-bedroom, 1-bath, 1,389 sq ft home built in 1923 sits in Clay Township in Clay.
Asking $299,000 (about $215/sq ft).
Property tax estimate: $1,320 per year ($110/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
Bathrooms1
Living Area1,389 sqft
Lot Size0.49 acres
Year Built1923
Stories2
Location
CityClay
MunicipalityClay Twp
Zip Code48001
CountySt. Clair
School DistrictAlgonac
Construction & Systems
ConstructionVinyl Siding
HeatingSpace Heater
SewerSeptic Tank
Sale & Financing
Listed7/5/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,320
Parcel #74149460014000
Source: SparkMLS
Legal Description
W 1/2 LOT 87 ST CLAIR FLATS, N CHANNEL DEEDED 12/69
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 Louis Nardi
EXP Realty Shelby Twp
Frequently Asked Questions about 8395 N Channel - Harsens Island, Clay, MI 48001
Which school district serves 8395 N Channel - Harsens Island, Clay, MI 48001?
Per MLS# 20261051053, 8395 N Channel - Harsens Island, 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.
Can I use FHA or VA financing for this property?
Per MLS# 20261051053, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 8395 N Channel - Harsens Island, Clay, MI 48001?
Per public tax records, annual property taxes for this property are $1,320. 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, 8395 N Channel - Harsens Island, 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 8395 N Channel - Harsens Island, 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 8395 N Channel - Harsens Island, Clay, MI 48001?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: SEMCO Energy Gas Company. Sewer: Septic Tank. 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
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Monthly payment$1,939
Principal & interest$1,939
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
8395 N Channel - Harsens Island, Clay, MI 48001
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Municipality
Clay Township
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