2048 Saint Clair River Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 2048 Saint Clair River Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 824 sqft · built 1950
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$94,000 (Jul 2014)
Tax Bill	$1,452 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-129-0132-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-129-0132-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	824 sqft Living Area
1st Floor Area	824 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	134 ft deep x 58.7 ft wide
Garage Area	672 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2048 SAINT CLAIR RIVER DR
City	ALGONAC
State	MI
Zip	48001-1137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 546 SUPV ROY T GILBERTS PLAT NO 4 SEC 02 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #4
Legal Lot Number	546
Legal Unit	546
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 December 23, 2025

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	2048 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Deed of Trust, Mortgage · Line of Credit NORTHSTAR BANK
Feb 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Aug 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage NORTHSTAR BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2014 · Amount on Record
Deed Sale	Jul 3, 2014 · Amount on Record
Deed Document Number	201414712
Deed Book / Page	4517 / 718
Prior Transfer Date	Mar 1, 2008
Prior Transfer Doc	003826/798
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2048 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1137
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2048 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1137

Mortgage

Document Number	0005574487
Date	Oct 28, 2022
Book Page	5574/487
Instrument	2022024563

Lender

Name	NORTHSTAR BANK
Type	Bank
Address	ALGONAC, MI 48001

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2048 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1137
Transaction Type	Mortgage
Record Updated	Mar 7, 2022
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2048 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1137

Mortgage

Document Number	0005488914
Date	Feb 16, 2022
Book Page	5488/914
Instrument	2022004069

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2042

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2048 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1137
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HURON TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050830771
Date	Aug 9, 2019
Book Page	5083/771
Instrument	2019016161

Lender

Name	NORTHSTAR BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

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
2025	$1,452.00 (-37.74%) Homeowner's exemption	$94,900 (+18.18%)
2024	$2,332.00 (+12.39%)		$189,800 (+18.18%)
2023		$80,300
2022	$2,075.00		$160,600

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 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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