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7846 Stark Dr, Clay, MI, 48001

5beds
3baths
2,850sqft
$725,000
$254price/sqft
$4,953/moest. monthly cost
$198,120/yrincome needed

About This Home

NEW PRICE ENJOY THE BEST OF WATERFRONT LIVING WITH THIS 5 BEDROOM 3 BATHROOM HOME IDEALLY LOCATED JUST OFF ANCHOR BAY OF LAKE ST CLAIR, A PREMIER YEAR-ROUND, ALL-SPORTS LAKE. WHETHER YOU LOVE BOATING, FISHING, OR JUST PLAIN RELAXING BY THE WATER, THIS LOCATION OFFERS ENDLESS WATER ADVENTURES RIGHT AT YOUR DOORSTEP. IN THE WINTER THE FUN CONTINUES WITH ICE FISHING, SNOWMOBILING, AND ATV RIDING, MAKING THIS A TRUE FOUR SEASONS PARADISE. WHATS UNIQUE ABOUT THIS HOME IS THAT IT OFFERS 2 DEDICATED LIVING SPACES, PERFECT FOR A MULIT- GENERATIONAL FAMILY OR VACATION RENTAL. DESIGNED FOR ENTERTAINING, THIS PROPERTY OFFERS BOTH UPPER AND LOWER DECKS WITH AMAZING VIEWS OF THE WATER. HIGHLIGHTS INCLUDE 2 FULL KITCHENS AND DINING AREAS, 2 LIVING ROOMS, 2 LAUNDRY ROOMS, A HEATED 3-CAR ATTACHED GARAGE, CARPORT, EXTRA PARKING PERFECT FOR AN RV, A 21 X 29 FT BOAT HOUSE WITH A 10,000 LB HOIST, 95 FT OF STEEL SEAWALL WITH A CUT OUT PERFECT FOR GUEST DOCKING.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

6/10
5/10
Algonac High SchoolGrades 7-123.2 mi
--

Construction

Condition

  • Year built: 1985

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Conventional Frame
  • Property subType: Single Family Residence,Duplex

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range/Oven,Refrigerator,Washer,Tankless Water Heater
  • Laundry features: First Floor Laundry,Second Floor Laundry,Laundry Room

Basement

  • Basement: Crawl Space

Bathroom1

  • Features: Ceramic
  • Level: Second
  • Area: 150

Bathroom2

  • Features: Ceramic
  • Level: First
  • Area: 56

Bathroom3

  • Features: Ceramic
  • Level: Second
  • Area: 63

Bedroom1

  • Features: Vinyl
  • Level: Second
  • Area: 225

Bedroom2

  • Features: Carpet
  • Level: First
  • Area: 192

Bedroom3

  • Features: Carpet
  • Level: Second
  • Area: 216

Bedroom4

  • Features: Carpet
  • Level: Second
  • Area: 140

Bedroom5

  • Features: Vinyl
  • Level: Second
  • Area: 110

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Ceramic
  • Level: Second
  • Area: 110

Features

  • Cathedral/Vaulted Ceiling,Sump Pump,Pantry
  • Window features: Bay Window(s)
  • Flooring: Ceramic Tile,Hardwood,Vinyl,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,850

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 2,850
  • Total interior livable area: 2,850 sqft

Kitchen

  • Features: Ceramic
  • Level: First
  • Area: 120

Living Room

  • Features: Vinyl
  • Level: First
  • Area: 360

Property

Details

  • Parcel number: 144960096001
  • Attached to another structure: Yes
  • Zoning description: Residential
  • Special condition: Private

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Porch
  • Exterior features: Balcony,Lawn Sprinkler
  • Has view: Yes
  • View description: Water,Bay,Canal,Lake
  • Has water view: Yes
  • Water view: Water,Bay,Canal,Lake
  • On waterfront: Yes
  • Waterfront features: All Sports Lake,Boat Facility,Canal Front,Lake/River Access,Seawall,Waterfront
  • Waterbody name: Anchor Bay Lake St Clair
  • Frontage length: 95

Lot

  • Lot size: 9,583 sqft
  • Features: Large Lot - 65+ Ft.
  • Lot size dimensions: 95 x 100

Parking

  • Total spaces: 3
  • Parking features: 3 or More Spaces,Covered,Garage,Driveway,Attached,Carport,Electric in Garage,Garage Door Opener,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Carport: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Coastal Flooding
Inland Flooding
Ice Storm
Strong Wind
Tornado
Tsunami

FEMA Declared Disasters in St. Clair County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,665$43,980
Home Insurance *$350$4,200
Property Taxes $628$7,536
Electricity $310$3,730
Total$4,953$59,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$169,817/yr
40% on housing$148,590/yr
45% on housing$132,080/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 48001$184
St. Clair County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 48001$191
St. Clair County$169

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-07Price change$725,000
2026-04-06Price change$750,000
2026-02-09Listed for sale$775,000
2021-03-24Listing removed--
2019-04-05Listing removed$425,000
2019-01-03Listed for sale$425,000
2018-04-03Listing removed$350,000
2018-03-24Pending sale$350,000
2018-02-28Listed for sale$350,000
2013-12-06Listing removed--
2013-10-22Price change$25,000
2013-10-13Price change$40,000
2013-09-18Price change$50,000
2013-09-04Price change$60,000
2013-08-28Listed for sale--

For Sale by Agent

AgentPamela Ceder
BrokerageSine & Monaghan Realtors LLC Algonac

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