2037 Saint Clair River Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 2037 Saint Clair River Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,326 sqft · built 1895
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Feb 2026)
Tax Bill	$2,438 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Jun 2025 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`74-01-145-0004-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-145-0004-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,326 sqft Living Area
1st Floor Area	884 sqft
Basement Area	1,768 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	120 ft deep x 58.8 ft wide
Garage Area	1,056 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	2037 SAINT CLAIR RIVER DR
City	ALGONAC
State	MI
Zip	48001-1134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 2 KENDALL KENDALL FARM SUBDIVISON ACCORDING TO THE PLAT RECORDED IN LIBER 17 OF PLATS PG 162 ST CLAIR COUNTY REGISTER OF
Legal Subdivision	KENDALL FARM
Legal Lot Number	2
Legal Unit	2
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	2 Individual Names on Record
Mailing Address	6075 HACKMAN RD, LYNN, MI 48097-2100
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 18, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 14, 2026	Deed of Trust, Mortgage · USDA Mortgage MORTGAGE 1 INC
Feb 20, 2026	Warranty Deed, Transfer · USDA Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2026 · Amount on Record
Deed Sale	Feb 20, 2026 · Amount on Record
Prior Sale	Jun 7, 2011 · Amount on Record
Deed Document Number	20263331
Deed Book / Page	5899 / 205
Prior Transfer Date	Dec 9, 2010
Prior Transfer Doc	004100/437
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2037 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1134
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2037 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1134

Mortgage

Document Number	0005818261
Date	Jun 2, 2025
Book Page	5818/261
Instrument	2025010222

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	5555 CLEVELAND AVE, COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 23, 2055

Interest

Change Frequency	Monthly

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2037 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1134
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2037 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1134
Investor	Possibly a Property Investor

Mortgage

Document Number	0005823817
Date	Jun 18, 2025
Book Page	5823/817
Instrument	2025011556

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	5555 CLEVELAND AVE, COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2055

Interest

Change Frequency	Monthly

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2037 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1134
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6075 HACKMAN RD, LYNN, MI 48097-2100

Mortgage

Document Number	0005889306
Date	Jan 14, 2026
Book Page	5889/306
Instrument	2026001049

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	43456 MOUND RD, STERLING HEIGHTS, MI 48314

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 20, 2026
Property Address	2037 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1134
Document Number	0005899205
Book / Page	5899 / 205
Map Reference	LB 17 PG 162
Instrument Date	Jan 13, 2026
Instrument	2026003331
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2037 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6075 HACKMAN RD, LYNN, MI 48097-2100

Mortgage

Document Number	2026001049
Date	Feb 20, 2026
Instrument	2026001049

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

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		$94,100 (+2.06%)	$188,200 (+2.06%)
2025	$2,438.00 (+2.05%) Homeowner's exemption	$92,200 (+22.44%)
2024	$2,389.00 (+12.42%)		$184,400 (+22.44%)
2023		$75,300
2022	$2,125.00		$150,600

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.

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 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 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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