St. Clair County property record for 2123 Saint Clair River Dr, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,148 sqft · built 1927 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $194,900 (Jul 2020) |
| Tax Bill | $2,586 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-145-0011-001 |
| Primary APN | 74-01-145-0011-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,148 sqft Living Area |
| 1st Floor Area | 1,656 sqft |
| Basement Area | 2,428 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 120 ft deep x 75 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2123 SAINT CLAIR RIVER DR |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 10 & SW'LY 1/2 OF LOT 11 KENDALL FARM SUBDIVISON ACCORDING TO THE PLAT RECORDED IN LIBER 17 OF PLATS PG 162 ST CLAIR COUNTY REGISTER OF DEEDS |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 02 |
| Legal Subdivision | KENDALL FARM |
| Legal Lot Number | 10-11 |
| Legal Unit | 10,11 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 649000 |
Source: St. Clair County records · APN 74-01-145-0011-001
Assessment roll updated October 7, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 2123 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2023 | Deed of Trust, Mortgage · Line of Credit ADVIA CU |
| Jul 31, 2020 | Warranty Deed, Transfer · FHA Mortgage PLATINUM HOME MORTGAGE CORP |
| Nov 14, 2019 | Warranty Deed, Transfer TRANSNATION TITLE AGENCY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 31, 2020 · Amount on Record |
| Deed Sale | Jul 31, 2020 · Amount on Record |
| Prior Sale | Nov 14, 2019 · Amount on Record |
| Deed Document Number | 202017887 |
| Deed Book / Page | 5220 / 117 |
| Prior Transfer Date | Jan 27, 2011 |
| Prior Transfer Doc | 004111/359 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 2123 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1136 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2123 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1136 |
| Document Number | 0005624296 |
|---|---|
| Date | May 24, 2023 |
| Book Page | 5624/296 |
| Instrument | 2023009383 |
| Name | ADVIA CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 23, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jul 31, 2020 |
| Property Address | 2123 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1136 |
| Document Number | 0005220117 |
| Book / Page | 5220 / 117 |
| Map Reference | LB 17 PG 162 |
| Instrument Date | Jul 21, 2020 |
| Instrument | 2020017887 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,462.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2123 SAINT CLAIR RIVER DR, 2123, ALGONAC, MI 48001-1136 |
| Name | Verified Name |
|---|---|
| Address | 67644 GLEASON ST, RICHMOND, MI 48062-1321 |
| Document Number | 2020017888 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 2020017888 |
| Name | PLATINUM HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Nov 14, 2019 |
| Property Address | 2123 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1136 |
| Document Number | 0051200230 |
| Book / Page | 005120 / 000230 |
| Instrument Date | Oct 22, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2019 |
| Title Company | TRANSNATION TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,419.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5784 LAKESHORE RD N PALMS MI 484659626, PALMS, MI 48465-9626 |
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Algonac City |
| County | St. Clair County |
| Unified School District | Algonac Community School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,586.00 (-39.58%) Homeowner's exemption | $136,600 (+20.67%) | |
| 2024 | $4,280.00 (+12.04%) | $273,200 (+20.67%) | |
| 2023 | $113,200 | ||
| 2022 | $3,820.00 | $226,400 |
Source: FEMA National Flood Hazard Layer as of July 20, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
Based on FCC filings for 231 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF ALGONAC serves 4,110 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2026 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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