St. Clair County property record for 109 North Ave, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,386 sqft · built 1946 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,106 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-155-0019-000 |
| Primary APN | 74-01-155-0019-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,386 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 114 ft deep x 50 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 109 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 30 OWANA BEACH PLAT SEC 02 T2N R16E |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 02 |
| Legal Subdivision | OWANA BEACH |
| Legal Lot Number | 30 |
| Legal Unit | 30 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 649000 |
109 North Ave, a single family home, is owned by two individuals.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 233 W SAINT CLAIR ST, ROMEO, MI 48065-4660 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 109 North Ave was $3,106, up 2.4% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Algonac City |
| County | St. Clair County |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $103,400 (+9.53%) | $206,800 | |
| 2025 | $3,106.00 (+2.37%) | $94,400 | |
| 2024 | $3,034.00 | $188,800 | |
| 2023 | $78,800 | ||
| 2022 | $2,682.00 | $157,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 North Ave 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 | 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 risk around 109 North Ave 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 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.
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 |
| 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 231 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G and 4G LTE (outdoors only)
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