St. Clair County property record for 1823 Washington St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 816 sqft · built 1970 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $178,000 (Oct 2026) |
| Tax Bill | $1,952 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Feb 2026 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-01-117-0005-000 |
| Primary APN | 74-01-117-0005-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 816 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Garage Area | 616 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1823 WASHINGTON ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1042 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 5 ASSESSORS OAKWOOD PLAT |
| Legal Subdivision | ASSESSORS |
| Legal Lot Number | 5 |
| Legal Unit | 5 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 649000 |
1823 Washington St is owned and occupied by an individual who bought it in October 2026.
Source: St. Clair County records, as of October 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45497 DESHON ST, UTICA, MI 48317-5657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 1, 2026 | Warranty Deed, Transfer · VA Mortgage CAPITAL LENDING |
| Feb 17, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Apr 30, 2024 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA EASTERN MICHIGAN |
| Jan 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Oct 2, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Feb 26, 2018 | Grant Deed, Transfer · Conventional with PMI NEW AMERICAN FNDG |
| Mar 27, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on File |
| Deed Sale | Oct 1, 2026 · Amount on File |
| Prior Sale | Feb 26, 2018 · Amount on File |
| Deed Document Number | 202619927 |
| Deed Book / Page | 5970 / 322 |
| Prior Transfer Date | Mar 16, 2017 |
| Prior Transfer Doc | 004812/507 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Oct 1, 2026 |
| Property Address | 1823 WASHINGTON ST, ALGONAC, MI 48001-1042 |
| Document Number | 0000019927 |
| Book / Page | 5970 / 322 |
| Instrument Date | Sep 11, 2026 |
| Instrument | 202619927 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2026 |
| Title Company | LIBERTY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $134,835.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000019928, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 202619928 |
| Name | CAPITAL LENDING |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1823 WASHINGTON ST, ALGONAC, MI 48001-1042 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1823 WASHINGTON ST, ALGONAC, MI 48001-1042 |
| Document Number | 0005897963 |
|---|---|
| Date | Feb 17, 2026 |
| Book Page | 5897/963 |
| Instrument | 2026003066 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | 910 CAMPISI WAY STE 2D, CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1823 WASHINGTON ST, ALGONAC, MI 48001-1042 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1823 WASHINGTON ST, ALGONAC, MI 48001-1042 |
| Document Number | 0005709846 |
|---|---|
| Date | Apr 30, 2024 |
| Book Page | 5709/846 |
| Instrument | 2024007907 |
| Name | FIFTH THIRD BANK NA EASTERN MICHIGAN |
|---|---|
| Address | 1850 E PARIS AVE SE, GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1823 WASHINGTON ST, ALGONAC, MI 48001-1042 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | CENTURION LAND TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 1823 WASHINGTON ST, ALGONAC, MI 48001-1042 |
| Document Number | 0000530995 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 5309/95 |
| Instrument | 2021002508 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1823 WASHINGTON ST, ALGONAC, MI 48001-1042 |
| Document Number | 0051220579 |
| Instrument Date | Oct 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2019 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 1823 WASHINGTON ST ALGONAC MI 480011042, ALGONAC, MI 48001-1042 |
| Document Number | 0051220579 |
|---|---|
| Date | Nov 20, 2019 |
| Book Page | 005122/000579 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 19, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Feb 26, 2018 |
| Property Address | 1823 WASHINGTON ST, ALGONAC, MI 48001-1042 |
| Document Number | 0049200131 |
| Book / Page | 004920 / 000131 |
| Instrument Date | Feb 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2018 |
| Title Company | ASK SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $438.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7727 RIVER RD COTTRELLVILLE MI 480393335, COTTRELLVILLE, MI 48039-3335 |
| Document Number | 49200134 |
|---|---|
| Date | Feb 26, 2018 |
| Book Page | 004920/000134 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 25, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Mar 27, 2017 |
| Property Address | 1823 WASHINGTON ST, ALGONAC, MI 48001-1042 |
| Document Number | 0048120507 |
| Book / Page | 004812 / 000507 |
| Instrument Date | Mar 16, 2017 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 21, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 3415 VISION DR COLUMBUS OH 432196009, COLUMBUS, OH 43219-6009 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 1823 Washington St was $1,952 with a homeowner's exemption, up 2.1% 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 | $68,200 (+2.71%) | $136,400 | |
| 2025 | $1,952.00 (+2.09%) Homeowner's exemption | $66,400 | |
| 2024 | $1,912.00 | $132,800 | |
| 2023 | $53,200 | ||
| 2022 | $1,698.00 | $106,400 |
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.
FEMA maps place 1823 Washington St in Zone X, an area of minimal flood risk, though there have been 85 flood claims nearby since 1980.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 1823 Washington St is low, with 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within 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 222 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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