St. Clair County property record for 10431 Saint John Dr, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,708 sqft · built 1996 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $420,000 (Aug 2025) |
| Tax Bill | $6,871 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Jun 2017 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-568-0023-000 |
| Primary APN | 74-14-568-0023-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,708 sqft Living Area |
| 1st Floor Area | 1,151 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 229 ft deep x 40 ft wide |
| Garage Area | 1,280 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10431 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 27 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 | 27 |
| Legal Unit | 27 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 647000 |
10431 Saint John Dr is owned by two individuals who bought it in August 2025.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 860 N OXFORD RD, GROSSE POINTE WOODS, MI 48236-1851 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 1, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2025 · Amount on File |
| Deed Sale | Aug 12, 2025 · Amount on File |
| Prior Sale | Apr 3, 2025 · Amount on File |
| Deed Document Number | 202514908 |
| Deed Book / Page | 5839 / 577 |
| Prior Transfer Date | Apr 15, 2025 |
| Prior Transfer Doc | 0005805155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 10431 SAINT JOHN DR, ALGONAC, MI 48001-4243 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 860 N OXFORD RD, GROSSE POINTE WOODS, MI 48236-1851 |
| Document Number | 0005891856 |
|---|---|
| Date | Jan 26, 2026 |
| Book Page | 5891/856 |
| Instrument | 2026001669 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jun 1, 2017 |
| Property Address | 10431 SAINT JOHN DR, ALGONAC, MI 48001-4243 |
| Document Number | 0048350903 |
| Book / Page | 004835 / 000903 |
| Instrument Date | Jun 23, 2016 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 9901 SUNSET COVE LN #231 FORT MYERS FL 339194216, 231, FORT MYERS, FL 33919-4216 |
The 2025 property tax bill for 10431 Saint John Dr was $6,871, up 34.7% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $245,100 (+9.42%) | $490,200 | |
| 2025 | $6,871.00 (+34.67%) Homeowner's exemption | $224,000 | |
| 2024 | $5,102.00 | $448,000 | |
| 2023 | $179,900 | ||
| 2022 | $3,984.00 | $359,800 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 10431 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.
The area around 10431 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.
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 |
| 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.
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 |
5G and 4G LTE (outdoors only)
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