200 Algona Ln, Algonac, MI 48001 Property Records

St. Clair County property record for 200 Algona Ln, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,888 sqft
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jun 2022)
Tax Bill	$4,093 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-103-0012-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-103-0012-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,888 sqft Living Area
1st Floor Area	1,376 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	115 ft deep x 110 ft wide
Garage Area	1,152 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	200 ALGONA LN
City	ALGONAC
State	MI
Zip	48001-1164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	ALL OF LOTS 15 & 16, PART OF VAC ALGONA LANE DESC AS: BEG AT NW COR OF LOT 15, TH S 33D 34M 30S E 86.10, TH ALONG CURVE
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	ALGONA PARK SUBDIVISION
Legal Lot Number	14-16
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1005
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	200 ALGONA LN, ALGONAC, MI 48001-1164
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Deed of Trust, Mortgage · Line of Credit MICHIGAN SCHOOLS & GOVERNMENT CU
Jun 28, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Aug 30, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2022 · Amount on Record
Deed Sale	Jun 28, 2022 · Amount on Record
Deed Document Number	202215616
Deed Book / Page	5536 / 744
Prior Transfer Date	Mar 31, 2017
Prior Transfer Doc	5414829
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	200 ALGONA LN, ALGONAC, MI 48001-1164
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 ALGONA LN, ALGONAC, MI 48001-1164

Mortgage

Document Number	0005635738
Date	Jul 11, 2023
Book Page	5635/738
Instrument	2023012107

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 10, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 28, 2022
Property Address	200 ALGONA LN, ALGONAC, MI 48001-1164
Document Number	0005536744
Book / Page	5536 / 744
Map Reference	LB 42 PG 8
Instrument Date	Dec 28, 2021
Instrument	2022015616
Transaction Type	Transfer
Record Updated	Jul 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7088 MELDRUM RD, 7088, IRA, MI 48023-2426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 CEDAR LN, COLUMBUS, MI 48063-3708

Mortgage

Document Number	2022015617
Date	Jun 28, 2022
Instrument	2022015617

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2052

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 30, 2021
Property Address	200 ALGONA LN, ALGONAC, MI 48001-1164
Document Number	5414829
Book / Page	5414 / 829
Map Reference	LB 42 PG 8
Instrument Date	Mar 31, 2017
Instrument	2021024882
Transaction Type	Transfer
Record Updated	Sep 16, 2021

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
Relationship	Tenants in Common
Address	200 ALGONA LN, ALGONAC, MI 48001-1164

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		$124,600 (+6.86%)	$249,200 (+6.86%)
2025	$4,093.00 (+2.02%) Homeowner's exemption	$116,600 (+10.73%)
2024	$4,012.00 (+12.07%)		$233,200 (+10.73%)
2023		$105,300
2022	$3,580.00		$210,600

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 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

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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 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 231 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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