2230 Elm St, Algonac, MI 48001 Property Records

St. Clair County property record for 2230 Elm St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,917 sqft · built 2006
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$470,000 (Jul 2026)
Tax Bill	$7,122 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2026 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`74-01-155-0012-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-155-0012-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,917 sqft Living Area
1st Floor Area	1,077 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	924 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	2230 ELM ST
City	ALGONAC
State	MI
Zip	48001-1115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 23 OWANA BEACH PLAT ACCORDING TO THE PLAT RECORDD IN LIBER 25 OF PLATS PG 9 ST CLAIR COUNTY REGISTER OF DEEDS
Legal Subdivision	OWANA BEACH
Legal Lot Number	23
Legal Unit	23
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 September 17, 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	2230 ELM ST, ALGONAC, MI 48001-1115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOME LENDING
Jul 30, 2026	Warranty Deed, Transfer TITLE AGENCY, SHORES TITLE AGENCY LLC
Nov 3, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC
Apr 6, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2026 · Amount on Record
Deed Sale	Jul 30, 2026 · Amount on Record
Prior Sale	Oct 28, 2024 · Amount on Record
Deed Document Number	202615412
Deed Book / Page	5949 / 200
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 12, 2026
Property Address	2230 ELM ST, ALGONAC, MI 48001-1115
Document Number	0000016268
Book / Page	5953 / 237
Instrument Date	Jul 24, 2026
Instrument	202616268
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1596 BEVERLY AVE, MADISON HEIGHTS, MI 48071-3031

Mortgage

Document Number	0000016268,
Date	Aug 12, 2026
Book Page	5953/237
Instrument	202616268

Lender

Name	HOME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 30, 2026
Property Address	2230 ELM ST, ALGONAC, MI 48001-1115
Document Number	0000015412
Book / Page	5949 / 200
Instrument Date	Jul 23, 2026
Instrument	202615412
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	TITLE AGENCY, SHORES TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$356,025.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2230 ELM ST, ALGONAC, MI 48001-1115

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2230 ELM ST, ALGONAC, MI 48001-1115
Transaction Type	Mortgage
Record Updated	Dec 22, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2230 ELM ST, ALGONAC, MI 48001-1115

Mortgage

Document Number	0005668376
Date	Nov 3, 2023
Book Page	5668/376
Instrument	2023019644

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2053

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	2230 ELM ST, ALGONAC, MI 48001-1115
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	JBN TITLE, JB TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1334 NOTTINGHAM RD, GROSSE POINTE PARK, MI 48230-1027

Mortgage

Document Number	0005491394
Date	Feb 24, 2022
Book Page	5491/394
Instrument	2022004615

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 6, 2022
Property Address	2230 ELM ST, ALGONAC, MI 48001-1115
Document Number	0005508162
Book / Page	5508 / 162
Map Reference	LB 25 PG 9
Instrument Date	Feb 18, 2022
Instrument	2022009055
Transaction Type	Transfer
Record Updated	Apr 27, 2022

Transaction

Amount	Amount Recorded
Tax	$2,906.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6134 GRAEBEAR TRL, 6134, EAST LANSING, MI 48823-9209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1334 NOTTINGHAM RD, GROSSE POINTE PARK, MI 48230-1027

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		$190,000 (+6.38%)	$380,000 (+6.38%)
2025	$7,122.00 (+9.1%) Homeowner's exemption	$178,600 (+16.05%)
2024	$6,528.00 (+52.88%)		$357,200 (+16.05%)
2023		$153,900
2022	$4,270.00		$307,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 and 4G LTE (outdoors only)

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