2217 Saint Clair River Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 2217 Saint Clair River Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,540 sqft
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,556 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-131-0019-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-131-0019-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,540 sqft Living Area
1st Floor Area	858 sqft
Basement Area	1,716 sqft

Exterior

Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Area	560 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2217 SAINT CLAIR RIVER DR
City	ALGONAC
State	MI
Zip	48001-1138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 569 SUPERVISOR ROY T GILBERT'S PLAT NO. 5
Legal Subdivision	SUPRVRS ROY T GILBERTS 5-ALGON
Legal Lot Number	569
Legal Unit	569
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1011
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	2217 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Apr 29, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Aug 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK EASTERN MI

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2217 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1138
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2217 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1138

Mortgage

Document Number	0005613577
Date	Apr 12, 2023
Book Page	5613/577
Instrument	2023006809

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2217 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1138
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2217 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1138

Mortgage

Document Number	0005516456
Date	Apr 29, 2022
Book Page	5516/456
Instrument	2022010929

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2037

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2217 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050860412
Date	Aug 15, 2019
Book Page	5086/412
Instrument	2019016671

Lender

Name	FIFTH THIRD BANK EASTERN MI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$79,500 (+3.52%)	$159,000 (+3.52%)
2025	$1,556.00 (+2.1%) Homeowner's exemption	$76,800 (+23.08%)
2024	$1,524.00 (+12.89%)		$153,600 (+23.08%)
2023		$62,400
2022	$1,350.00		$124,800

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 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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