10427 Saint John Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 10427 Saint John Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,015 sqft
Lot Size	0.212 acres (9,235 sqft)
Owner	Individual Name on File
Tax Bill	$2,752 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2018 Transfer
Flood Zone	Zone AE (high risk)
APN	`74-14-568-0022-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-568-0022-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,015 sqft Living Area
1st Floor Area	1,015 sqft

Exterior

Lot Area	9,235 sqft (0.212 acres)
Lot Dimensions	231 ft deep x 40 ft wide
Garage Area	888 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10427 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 26 SUP N CHANNEL COLONY PLAT FRAC SEC 1 & PC 203 T2N R15E
Legal Range	15E
Legal Township	02N
Legal Section	01
Legal Subdivision	SUPRVRS NORTH CHANNEL COLONY
Legal Lot Number	26
Legal Unit	26
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2006
Census Tract	647000

Owner

10427 Saint John Dr is owned and occupied by an individual who acquired it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	10427 SAINT JOHN DR, ALGONAC, MI 48001-4243
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Jan 10, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 11, 2022
Transfer Doc	0005477429
Record Updated	Oct 29, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 20, 2022
Property Address	10427 SAINT JOHN DR, ALGONAC, MI 48001-4243
Document Number	0005477429
Book / Page	5477 / 429
Map Reference	LB 53 PG 25
Instrument Date	Jan 11, 2022
Instrument	2022001581
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10427 SAINT JOHN DR, ALGONAC, MI 48001-4243

Mortgage

Document Number	2022001582
Date	Jan 20, 2022
Instrument	2022001582

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 10, 2018
Property Address	10427 SAINT JOHN DR, ALGONAC, MI 48001-4243
Document Number	0049060305
Book / Page	004906 / 000305
Instrument Date	Jan 3, 2018
Transaction Type	Transfer
Record Updated	Jan 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	552 CHANDLER RD DOYLE TN 385593209, DOYLE, TN 38559-3209

Tax Assessment & Valuation

The 2025 property tax bill for 10427 Saint John Dr was $2,752 with a homeowner's exemption, up 2.2% from the year before.

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		$137,800 (+6.82%)	$275,600
2025	$2,752.00 (+2.23%) Homeowner's exemption	$129,000
2024	$2,692.00		$258,000
2023		$105,600
2022	$2,481.00		$211,200

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

Flood

FEMA maps place 10427 Saint John Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

The area around 10427 Saint John Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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