St. Clair County property record for 10685 Saint John Dr, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,440 sqft |
| Lot Size | 0.255 acres (11,108 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,343 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 74-14-577-0017-000 |
| Primary APN | 74-14-577-0017-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Lot Area | 11,108 sqft (0.255 acres) |
|---|---|
| Lot Dimensions | 234 ft deep x 50 ft wide |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 10685 SAINT JOHN DR |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-4245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 18 SUPERVISOR'S ST CLAIR RIVER PLAT |
| Legal Subdivision | SUPRVRS ST CLAIR RIVER |
| Legal Lot Number | 18 |
| Legal Unit | 18 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 647000 |
Source: St. Clair County records, as of September 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4297 COUNTY RD, WILDWOOD, FL 34785 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 3, 2025 |
| Transfer Doc | 0000012538 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 10685 SAINT JOHN DR, ALGONAC, MI 48001-4245 |
| Document Number | 0053010830 |
| Instrument Date | Dec 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | VISIONET SYSTEMS INC |
| Name | Verified Name |
|---|---|
| Address | 10685 SAINT JOHN DR ALGONAC MI 480014245, ALGONAC, MI 48001-4245 |
| Document Number | 0053010830 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 005301/000830 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 12, 2036 |
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 | $162,900 (+5.99%) | $325,800 (+5.99%) | |
| 2025 | $3,343.00 (+2.26%) Homeowner's exemption | $153,700 (+19.52%) | |
| 2024 | $3,269.00 (+8.6%) | $307,400 (+19.52%) | |
| 2023 | $128,600 | ||
| 2022 | $3,010.00 | $257,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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.
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 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 |
5G (outdoors only) and 4G LTE
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