2238 Elm St, Algonac, MI 48001 Property Records

St. Clair County property record for 2238 Elm St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,072 sqft
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jan 2022)
Tax Bill	$6,400 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jul 2020 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-155-0010-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-155-0010-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,072 sqft Living Area
1st Floor Area	1,452 sqft

Exterior

Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	1,144 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2238 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 21 OWANA BEACH PLAT SEC 02 T2N R16E NOTE LOT 20 IN ST R/W
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	OWANA BEACH PLAT
Legal Lot Number	20-21
Legal Unit	21,20
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1005
Census Tract	649000

Owner

2238 Elm St is owned and occupied by an individual who bought it in January 2022.

Source: St. Clair County records, as of September 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2238 ELM ST, ALGONAC, MI 48001-1115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
Jul 23, 2020	Quit Claim Deed, Transfer OTHER
Oct 25, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2022 · Amount on File
Deed Sale	Jan 12, 2022 · Amount on File
Prior Sale	Jan 24, 2011 · Amount on File
Deed Document Number	2022912
Deed Book / Page	5474 / 393
Prior Transfer Date	Aug 21, 2017
Prior Transfer Doc	2017025286
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 12, 2022
Property Address	2238 ELM ST, ALGONAC, MI 48001-1115
Document Number	0005474393
Book / Page	5474 / 393
Map Reference	LB 25 PG 9
Instrument Date	Dec 9, 2021
Instrument	2022000912
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	JB TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2238 ELM ST, 2238, ALGONAC, MI 48001-1115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22419 STREAMSIDE DR, MACOMB, MI 48044-3736

Mortgage

Document Number	2022000913
Date	Jan 12, 2022
Instrument	2022000913

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 23, 2020
Property Address	2238 ELM ST, ALGONAC, MI 48001-1115
Document Number	0052160536
Book / Page	005216 / 000536
Instrument Date	Jul 13, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2238 ELM ST ALGONAC MI 480011115, ALGONAC, MI 48001-1115

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 25, 2017
Property Address	2238 ELM ST, ALGONAC, MI 48001-1115
Document Number	0048830031
Book / Page	004883 / 000031
Instrument Date	Aug 21, 2017
Transaction Type	Transfer
Record Updated	Dec 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2238 ELM ST ALGONAC MI 480011115, ALGONAC, MI 48001-1115

Tax Assessment & Valuation

The 2025 property tax bill for 2238 Elm St was $6,400 with a homeowner's exemption, up 2% from the year before.

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		$196,000 (+6.58%)	$392,000
2025	$6,400.00 (+1.99%) Homeowner's exemption	$183,900
2024	$6,275.00		$367,800
2023		$158,600
2022	$5,607.00		$317,200

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

FEMA maps place 2238 Elm St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 2238 Elm St is low, with less than a 0.01% annual chance of 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)

Nearby Properties on Elm St

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