1921 Saint Clair River Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 1921 Saint Clair River Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,476 sqft
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on Record
Tax Bill	$2,278 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`74-01-129-0090-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-129-0090-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,476 sqft Living Area
1st Floor Area	1,155 sqft
Basement Area	2,310 sqft

Exterior

Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	516 ft deep x 47 ft wide
Garage Area	1,152 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1921 SAINT CLAIR RIVER DR
City	ALGONAC
State	MI
Zip	48001-1178
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 502 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 GILBERTS PLAT #4
Legal Lot Number	502
Legal Unit	502
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1017
Census Tract	649000

Owner

Source: St. Clair County records, as of September 17, 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 Record
Mailing Address	1921 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1178
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
Mar 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2014
Deed Sale	Oct 22, 2014
Prior Sale	Oct 25, 2011 · Amount on Record
Deed Document Number	201423474
Deed Book / Page	4547 / 733
Prior Transfer Date	Sep 29, 2014
Prior Transfer Doc	004547/733
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1921 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1178
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1921 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1178

Mortgage

Document Number	0005674985
Date	Dec 7, 2023
Book Page	5674/985
Instrument	2023021248

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	TROY, MI 48098

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Nov 15, 2038

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1921 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1178
Transaction Type	Mortgage
Record Updated	Jul 9, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1921 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1178

Mortgage

Document Number	5363126
Date	May 7, 2021
Book Page	5363/126
Instrument	2021014008

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

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

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1921 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1178
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050370804
Date	Mar 14, 2019
Book Page	5037/804
Instrument	2019004506

Lender

Name	MORTGAGE CENTER
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$104,800 (+2.24%)	$209,600 (+2.24%)
2025	$2,278.00 (+2.11%) Homeowner's exemption	$102,500 (+21.3%)
2024	$2,231.00 (+12.45%)		$205,000 (+21.3%)
2023		$84,500
2022	$1,984.00		$169,000

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

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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