10559 Saint John Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 10559 Saint John Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 5,041 sqft · built 1998
Lot Size	0.578 acres (25,178 sqft)
Owner	2 Individual Names on File
Tax Bill	$13,170 (2025)
Deeds & Mortgages	Apr 2026 Sale Jul 2020 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`74-14-577-0012-001`

Property Details

APN / Parcel Number

Primary APN	`74-14-577-0012-001`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	5,041 sqft Living Area
1st Floor Area	3,530 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	25,178 sqft (0.578 acres)
Lot Dimensions	265 ft deep x 100 ft wide
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10559 SAINT JOHN DR
City	ALGONAC
State	MI
Zip	48001-4244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOTS 12 & 13 SUPERVISOR'S ST CLAIR RIVER PLAT
Legal Range	15E
Legal Township	02N
Legal Section	12
Legal Subdivision	SUPRVRS ST CLAIR RIVER
Legal Lot Number	12-13
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2006
Census Tract	647000

Owner

10559 Saint John Dr is owned and occupied by two individuals who acquired it in February 2026.

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	10559 SAINT JOHN DR, ALGONAC, MI 48001-4244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 27, 2020	Deed of Trust, Mortgage · Line of Credit CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 18, 2026
Transfer Doc	0000005868
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 1, 2026
Property Address	10559 SAINT JOHN DR, ALGONAC, MI 48001-4244
Document Number	0000005868
Book / Page	5910 / 896
Instrument Date	Feb 18, 2026
Instrument	20265868
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	10559 SAINT JOHN DR, ALGONAC, MI 48001-4244

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	10559 SAINT JOHN DR, ALGONAC, MI 48001-4244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052170730
Date	Jul 27, 2020
Book Page	5217/730
Instrument	2020017240

Lender

Name	CHEMICAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 10559 Saint John Dr was $13,170 with a homeowner's exemption, up 2.4% 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		$828,100 (+11.65%)	$1,656,200
2025	$13,170.00 (+2.36%) Homeowner's exemption	$741,700
2024	$12,866.00		$1,483,400
2023		$588,800
2022	$11,801.00		$1,177,600

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

Flood

FEMA maps place 10559 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

Wildfire risk around 10559 Saint John Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 249 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Saint John Dr

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