St. Clair County property record for 1311 State St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,120 sqft · built 1991 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,182 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-01-105-0023-050 |
| Primary APN | 74-01-105-0023-050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Garage Area | 800 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 1311 STATE ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 2 BLK 17 MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 ST CLAIR COUNTY REGISTER OF DEEDS |
| Legal Subdivision | VILLAGE OF ALGONAC |
| Legal Block | 17 |
| Legal Lot Number | 2 |
| Legal Unit | 2 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 649000 |
Source: St. Clair County records · APN 74-01-105-0023-050
Assessment roll updated October 7, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1311 STATE ST, ALGONAC, MI 48001-1439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP |
| Jul 22, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Jun 28, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jun 14, 2021 |
| Transfer Doc | 0005385656 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1311 STATE ST, ALGONAC, MI 48001-1439 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1311 STATE ST, ALGONAC, MI 48001-1439 |
| Document Number | 0005385638 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 5385/638 |
| Instrument | 2021018869 |
| Name | HALL FINANCIAL GROUP |
|---|---|
| Type | Non-Lending Institution |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1311 STATE ST, ALGONAC, MI 48001-1439 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1311 STATE ST, CLAY, MI 48001-1439 |
| Document Number | 0005544985 |
|---|---|
| Date | Jul 22, 2022 |
| Book Page | 5544/985 |
| Instrument | 2022017534 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jun 28, 2021 |
| Property Address | 1311 STATE ST, ALGONAC, MI 48001-1439 |
| Document Number | 5385656 |
| Book / Page | 5385 / 656 |
| Map Reference | LB F PG 51 |
| Instrument Date | Jun 14, 2021 |
| Instrument | 2021018871 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1311 STATE ST, ALGONAC, MI 48001-1439 |
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Algonac City |
| County | St. Clair County |
| Unified School District | Algonac Community School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,182.00 (-36.72%) Homeowner's exemption | $100,400 (+20.82%) | |
| 2024 | $1,868.00 (+12.6%) | $200,800 (+20.82%) | |
| 2023 | $83,100 | ||
| 2022 | $1,659.00 | $166,200 |
Source: FEMA National Flood Hazard Layer as of July 20, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 1 (2000) |
| Most Recent Claim | Aug 2000 · rainfall accumulation |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Based on FCC filings for 290 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF ALGONAC serves 4,110 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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