1777 Saint Clair River Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 1777 Saint Clair River Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,784 sqft
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$47,500 (Aug 2012)
Tax Bill	$1,481 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`74-01-129-0103-001`

Property Details

APN / Parcel Number

Primary APN	`74-01-129-0103-001`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,784 sqft Living Area
1st Floor Area	927 sqft
Basement Area	1,854 sqft

Exterior

Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	125 ft deep x 95 ft wide
Garage Area	648 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1777 SAINT CLAIR RIVER DR
City	ALGONAC
State	MI
Zip	48001-1370
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	SW 95' OF SE 125.5' OF LOT 516 SUPV ROY T GILBERTS PLAT NO 4 SEC 02 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	SUPERVISORS ROY T GILBERT PLAT #4
Legal Lot Number	516
Legal Unit	516
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1016
Census Tract	649000

Owner

Source: St. Clair County records, as of December 23, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1777 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1370
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP
Sep 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Feb 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2012 · Amount on Record
Deed Sale	Aug 15, 2012 · Amount on Record
Prior Sale	Sep 30, 2011 · Amount on Record
Deed Document Number	201220644
Deed Book / Page	4287 / 702
Prior Transfer Date	Sep 20, 2011
Prior Transfer Doc	004198/096
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1777 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1370
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1777 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1370

Mortgage

Document Number	0005386812
Date	Jun 30, 2021
Book Page	5386/812
Instrument	2021019216

Lender

Name	CREDIT UNION ONE
Type	Credit Union
Address	FERNDALE, MI 48220

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 29, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1777 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1370
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1777 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1370

Mortgage

Document Number	0005438355
Date	Oct 22, 2021
Book Page	5438/355
Instrument	2021029860

Lender

Name	HALL FINANCIAL GROUP
Type	Non-Lending Institution
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 29, 2020
Property Address	1777 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1370
Document Number	0005247481
Book / Page	5247 / 481
Map Reference	LB 49 PG 1
Instrument Date	Sep 18, 2020
Instrument	2020023554
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	ATA NATIONAL TITLE GROUP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1777 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1370

Mortgage

Document Number	2020023555
Date	Sep 29, 2020
Instrument	2020023555

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 14, 2020
Property Address	1777 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1370
Document Number	0051520875
Book / Page	005152 / 000875
Instrument Date	Feb 6, 2020
Transaction Type	Transfer
Record Updated	Feb 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1777 SAINT CLAIR RIVER DR ALGONAC MI 480011370, ALGONAC, MI 48001-1370

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

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
2025	$1,481.00 (-37.8%) Homeowner's exemption	$107,800 (+21.4%)
2024	$2,381.00 (+12.42%)		$215,600 (+21.4%)
2023		$88,800
2022	$2,118.00		$177,600

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

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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	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 257 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

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