2040 Washington St, Algonac, MI 48001 Property Records

St. Clair County property record for 2040 Washington St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,344 sqft · built 1950
Lot Size	2.06 acres (89,734 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Feb 2021)
Tax Bill	$3,029 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-01-129-0064-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-129-0064-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Lot Area	89,734 sqft (2.06 acres)
Lot Dimensions	896 ft deep x 100 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2040 WASHINGTON ST
City	ALGONAC
State	MI
Zip	48001-1047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	N 170' OF S 340' OF LOT 486 EXC N 70' OF W 200' THEREOF SUPV ROY T GILBERTS PLAT NO 4 SEC 03 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	03
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #4
Legal Lot Number	486
Legal Unit	486
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1010
Census Tract	649000

Owner

2040 Washington St is owned and occupied by an individual who bought it in February 2021.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	2040 WASHINGTON ST, ALGONAC, MI 48001-1047
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2021 · Amount on File
Deed Sale	Feb 18, 2021 · Amount on File
Prior Sale	Jun 7, 2013 · Amount on File
Deed Document Number	20214766
Deed Book / Page	5320 / 477
Prior Transfer Date	Jan 7, 2010
Prior Transfer Doc	004016/366
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 18, 2021
Property Address	2040 WASHINGTON ST, ALGONAC, MI 48001-1047
Document Number	0005320477
Book / Page	5320 / 477
Map Reference	LB 49 PG 1
Instrument Date	Jan 22, 2021
Instrument	2021004766
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3333 KNOLL RD, 3333, MUSSEY, MI 48014-3903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4950 CUTTLE RD, SAINT CLAIR, MI 48079-1513

Mortgage

Document Number	2021004767
Date	Feb 18, 2021
Instrument	2021004767

Lender

Name	PRIORITY FINANCIAL NETWORK
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2040 Washington St was $3,029 with a homeowner's exemption, up 2% from the year before.

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		$95,900 (+3.9%)	$191,800
2025	$3,029.00 (+2.02%) Homeowner's exemption	$92,300
2024	$2,969.00		$184,600
2023		$72,700
2022	$2,645.00		$145,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2040 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

Wildfire risk around 2040 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	Direct burnable vegetation

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 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