10437 Saint John Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 10437 Saint John Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,696 sqft · built 1950
Lot Size	0.277 acres (12,066 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Apr 2023)
Tax Bill	$6,191 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Mar 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-14-577-0002-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-577-0002-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,696 sqft Living Area
1st Floor Area	1,264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	12,066 sqft (0.277 acres)
Lot Dimensions	254 ft deep x 50 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10437 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 2 SUP ST CLAIR RIVER PLAT FRAC SEC 1 & PC 203 T2N R15E
Legal Range	15E
Legal Township	02N
Legal Section	01
Legal Subdivision	SUPERVISORS ST CLAIR PLAT
Legal Lot Number	2
Legal Unit	2
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2006
Census Tract	647000

Owner

10437 Saint John Dr is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	10437 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
Apr 21, 2023	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL INC
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2023 · Amount on File
Deed Sale	Apr 21, 2023 · Amount on File
Prior Sale	Dec 22, 2014 · Amount on File
Deed Document Number	20237292
Deed Book / Page	5615 / 446
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 21, 2023
Property Address	10437 SAINT JOHN DR, ALGONAC, MI 48001-4243
Document Number	0005615446
Book / Page	5615 / 446
Map Reference	LB 54 PG 4
Instrument Date	Apr 10, 2023
Instrument	2023007292
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,887.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10437 SAINT JOHN DR, CLAY, MI 48001-4243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7255 CARDINAL ST, CLAY, MI 48001-4107

Mortgage

Document Number	2023007293
Date	Apr 21, 2023
Instrument	2023007293

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	10437 SAINT JOHN DR, ALGONAC, MI 48001-4243
Document Number	0051690477
Instrument Date	Mar 3, 2020
Transaction Type	Mortgage
Record Updated	Apr 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10437 SAINT JOHN DR ALGONAC MI 480014243, ALGONAC, MI 48001-4243

Mortgage

Document Number	0051690477
Date	Apr 2, 2020
Book Page	005169/000477

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 10437 Saint John Dr was $6,191 with a homeowner's exemption, up 2.3% 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		$216,200 (+8.21%)	$432,400
2025	$6,191.00 (+2.33%) Homeowner's exemption	$199,800
2024	$6,050.00		$399,600
2023		$165,700
2022	$3,444.00		$331,400

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.

Flood

FEMA maps place 10437 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 10437 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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