St. Clair County property record for 1840 Saint Clair River Dr, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,030 sqft |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,475 (2025) |
| Deeds & Mortgages | Feb 2021 Transfer Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-129-0125-000 |
| Primary APN | 74-01-129-0125-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 2,030 sqft Living Area |
| 1st Floor Area | 1,791 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 10,019 sqft (0.23 acres) |
|---|---|
| Lot Dimensions | 105 ft deep x 95 ft wide |
| Garage Area | 1,152 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1840 SAINT CLAIR RIVER DR |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1376 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 535 SUPERVISOR ROY T GILBERT'S PLAT NO. 4 |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 4-ALGON |
| Legal Lot Number | 535 |
| Legal Unit | 535 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 649000 |
Source: St. Clair County records · APN 74-01-129-0125-000
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 | 1840 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1376 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2021 | Intrafamily Transfer, Transfer |
| Aug 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK |
| Jul 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Feb 08, 2021 |
| Transfer Doc | 0005325677 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Feb 26, 2021 |
| Property Address | 1840 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1376 |
| Document Number | 0005325677 |
| Book / Page | 5325 / 677 |
| Map Reference | LB 41 PG 1&2 |
| Instrument Date | Feb 08, 2021 |
| Instrument | 2021005631 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1840 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1376 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1840 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1376 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050850001 |
|---|---|
| Date | Aug 13, 2019 |
| Book Page | 5085/1 |
| Instrument | 2019016394 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1840 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1376 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0052170026 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 5217/26 |
| Instrument | 2020017089 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
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 | $2,475.00 (-39.49%) Homeowner's exemption | $178,200 (+17.39%) | |
| 2024 | $4,090.00 (+12.09%) | $356,400 (+17.39%) | |
| 2023 | $151,800 | ||
| 2022 | $3,649.00 | $303,600 |
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 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 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 Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 |
May also be available: AT&T, Verizon.
Based on FCC filings for 257 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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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