105 North Ave, Algonac, MI 48001 Property Records

St. Clair County property record for 105 North Ave, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,234 sqft · built 1930
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Aug 2026)
Tax Bill	$3,890 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-01-155-0018-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-155-0018-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,234 sqft Living Area
1st Floor Area	856 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	114 ft deep x 50 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	105 NORTH AVE
City	ALGONAC
State	MI
Zip	48001-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 29 OWANA BEACH PLAT SEC 02 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	OWANA BEACH
Legal Lot Number	29
Legal Unit	29
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1005
Census Tract	649000

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	2 Individual Names on File
Mailing Address	1609 WASHINGTON BLVD, BIRMINGHAM, MI 48009-4163
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Warranty Deed, Transfer · Conventional Mortgage EXTRA CREDIT UNION
Feb 24, 2023	Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2026 · Amount on File
Deed Sale	Aug 27, 2026 · Amount on File
Prior Sale	Feb 24, 2023 · Amount on File
Deed Document Number	202617376
Deed Book / Page	5958 / 485
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 27, 2026
Property Address	105 NORTH AVE, ALGONAC, MI 48001-1126
Document Number	0000017376
Book / Page	5958 / 485
Instrument Date	Aug 21, 2026
Instrument	202617376
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NATIONAL TITLE GROUP, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$227,250.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 WASHINGTON BLVD, BIRMINGHAM, MI 48009-4163

Mortgage

Document Number	0000017377,
Date	Aug 27, 2026
Instrument	202617377

Lender

Name	EXTRA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 24, 2023
Property Address	105 NORTH AVE, ALGONAC, MI 48001-1126
Document Number	0005600719
Book / Page	5600 / 719
Map Reference	LB 25 PG 9
Instrument Date	Feb 3, 2023
Instrument	2023003042
Transaction Type	Transfer
Record Updated	Mar 22, 2023
Title Company	JB TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35660 HUNTLEY CT, NEW BALTIMORE, MI 48047-1629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 NORTH AVE, ALGONAC, MI 48001-1126
Investor	Possibly a Property Investor

Mortgage

Document Number	0005597202
Date	Feb 7, 2023
Book Page	5597/202
Instrument	2023002083

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Type	Mortgage Company
Address	ANN ARBOR, MI 48108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Algonac City
County	St. Clair County
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,000 (+8.42%)	$206,000 (+8.42%)
2025	$3,890.00 (-1.27%) Homeowner's exemption	$95,000 (+16.85%)
2024	$3,940.00 (+83.34%)		$190,000 (+16.85%)
2023		$81,300
2022	$2,149.00		$162,600

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

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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 76 policies
Nearby Flood Policies	76 in force
Nearby Flood Claims	85 (1980–2021)
Claims Outside the SFHA	44 of 85
Most Recent Claim	Feb 2021 · river or lake flooding

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	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CITY OF ALGONAC serves 4,110 people · EPA ID MI0000110
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	3 ppb (2024–2026) 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 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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