10425 Saint John Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 10425 Saint John Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 3,572 sqft · built 2019
Lot Size	0.215 acres (9,365 sqft)
Owner	Individual Name on Record
Last Sale	$233,000 (Oct 2016)
Tax Bill	$10,914 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Oct 2019 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`74-14-568-0021-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-568-0021-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Building Area	3,572 sqft Living Area
1st Floor Area	2,041 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	234 ft deep x 40 ft wide
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10425 SAINT JOHN DR
City	ALGONAC
State	MI
Zip	48001-4243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 25 SUP N CHANNEL COLONY PLAT FRAC SEC 1 & PC 203 T2N R15E
Legal Range	15E
Legal Township	02N
Legal Section	01
Legal Subdivision	SUPERVISORS NORTH CHANNEL COLONY PLAT
Legal Lot Number	25
Legal Unit	25
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2006
Census Tract	647000

Owner

Source: St. Clair County records, as of September 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	10425 SAINT JOHN DR, ALGONAC, MI 48001-4243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2018	Deed of Trust, Mortgage · ARM NORTHPOINTE BANK
Oct 18, 2019	Loan Modification, Mortgage NORTHPOINTE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2016 · Amount on Record
Deed Sale	Oct 17, 2016 · Amount on Record
Deed Document Number	201622724
Deed Book / Page	4759 / 142
Prior Transfer Date	Oct 17, 2007
Prior Transfer Doc	003777/720
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	10425 SAINT JOHN DR, ALGONAC, MI 48001-4243
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STERLING TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049570779
Date	Jun 18, 2018
Book Page	4957/779
Instrument	2018013824

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	3.95%
Max Rate At Change	8.95%
Index	1-Year LIBOR

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAINT CLAIR MI
Property Address	10425 SAINT JOHN DR, ALGONAC, MI 48001-4243
Document Number	0051140181
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 28, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10425 SAINT JOHN DR CLAY MI 480014243, CLAY, MI 48001-4243

Mortgage

Document Number	0051140181
Date	Oct 29, 2019
Book Page	005114/000181

Lender

Name	NORTHPOINTE BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Oct 28, 2026

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Clay Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$552,000 (+13.16%)	$1,104,000 (+13.16%)
2025	$10,914.00 (+2.35%) Homeowner's exemption	$487,800 (+28.17%)
2024	$10,663.00 (+6.52%)		$975,600 (+28.17%)
2023		$380,600
2022	$10,010.00		$761,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	579.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 143 policies
Nearby Flood Policies	143 in force
Nearby Flood Claims	77 (1985–2024)
Claims Outside the SFHA	56 of 77
Most Recent Claim	Jan 2024

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLAY TOWNSHIP serves 9,866 people · EPA ID MI0001450
Water Source	Purchased surface water from CITY OF ALGONAC
Last State Inspection	May 2021
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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