1805 Saint Clair River Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 1805 Saint Clair River Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,600 sqft · built 1920
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Jan 2022)
Tax Bill	$3,055 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`74-01-129-0102-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-129-0102-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,600 sqft Living Area
1st Floor Area	1,484 sqft
Basement Area	2,474 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	22,651 sqft (0.52 acres)
Lot Dimensions	246 ft deep x 92.4 ft wide

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	1805 SAINT CLAIR RIVER DR
City	ALGONAC
State	MI
Zip	48001-1349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	COMM AT THE SELY COR OF LOT 516, TH N 33D 40M E 95' ALG ELY LINE OF LOT 516 AS PLATTED TO THE POB, TH N 56D 31M W 142', TH N 33D 40M E 66.44', TH S 66D 52M 10S E 144.43' ALG THE NLY LINE OF LOT 515, TH S 33D 40M W 92.40' TO POB SUPERVISOR ROY T GILBE
Legal Subdivision	SUPRVRS ROY T GILBERTS 4-ALGON
Legal Lot Number	515-516
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1016
Census Tract	649000

Owner

Source: St. Clair County records · APN 74-01-129-0102-000

Assessment roll updated October 7, 2025 · Last verified July 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	1805 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1349
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 20, 2022 · Amount on Record
Deed Sale	Jan 20, 2022 · Amount on Record
Deed Document Number	20221507
Deed Book / Page	5476 / 975
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 20, 2022
Property Address	1805 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1349
Document Number	0005476975
Book / Page	5476 / 975
Map Reference	LB 49 PG 1
Instrument Date	Oct 12, 2021
Instrument	2022001507
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	NOT AVAILABLE, LUXURY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1805 SAINT CLAIR RIVER DR, 1805, ALGONAC, MI 48001-1349

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4402 SHERIDAN DR, ROYAL OAK, MI 48073-6234

Mortgage

Document Number	2022001508
Date	Jan 20, 2022
Instrument	2022001508

Lender

Name	FIRST SECURITIES FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 01, 2051

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified July 2026

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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,055.00 (-39.92%) Homeowner's exemption	$153,800 (+19.97%)
2024	$5,085.00 (+11.98%)		$307,600 (+19.97%)
2023		$128,200
2022	$4,541.00		$256,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), updated July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476490001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 257 locations within half a mile · Last verified October 2026

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

May also be available: AT&T, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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

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 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.