2228 Saint Clair River Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 2228 Saint Clair River Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,080 sqft · built 1996
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Jan 2021)
Tax Bill	$4,089 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-01-155-0003-100`

Property Details

APN / Parcel Number

Primary APN	`74-01-155-0003-100`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,080 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	123 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	2228 SAINT CLAIR RIVER DR
City	ALGONAC
State	MI
Zip	48001-1139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 14 OWANA BEACH PLAT
Legal Subdivision	OWANA BEACH PLAT
Legal Lot Number	14
Legal Unit	14
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1006
Census Tract	649000

Owner

Source: St. Clair County records, as of March 30, 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 Record
Mailing Address	2228 SAINT CLAIR RIVER DR, B, ALGONAC, MI 48001-1139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2021 · Amount on Record
Deed Sale	Jan 4, 2021 · Amount on Record
Prior Sale	Mar 19, 2015 · Amount on Record
Deed Document Number	2021202
Deed Book / Page	5296 / 970
Prior Transfer Date	May 30, 2014
Prior Transfer Doc	004515/370
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 6, 2021
Property Address	2228 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1139
Document Number	0052960970
Book / Page	005296 / 000970
Instrument Date	Dec 18, 2020
Transaction Type	Transfer
Record Updated	Feb 4, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$14.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1775 SANDY CREEK RD MONROE MI 481629532, MONROE, MI 48162-9532

Mortgage

Document Number	52960971
Date	Jan 6, 2021
Book Page	005296/000971

Lender

Name	MIMUTUAL MTG
Address	PORT HURON, MI 48060

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2051

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	$4,089.00 (-30.72%) Homeowner's exemption	$146,100 (+15.68%)
2024	$5,902.00 (-3.83%)		$292,200 (+15.68%)
2023		$126,300
2022	$6,137.00		$252,600

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 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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