226 Roselawn St, Algonac, MI 48001 Property Records

St. Clair County property record for 226 Roselawn St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,316 sqft
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Aug 2026)
Tax Bill	$5,862 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2022 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`74-01-129-0131-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-129-0131-000`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,316 sqft Living Area
1st Floor Area	1,416 sqft

Exterior

Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	134 ft deep x 78.7 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	226 ROSELAWN ST
City	ALGONAC
State	MI
Zip	48001-1161
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOTS 544 & 545 SUPV ROY T GILBERTS PLAT NO 4
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #4
Legal Lot Number	544-545
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	226 ROSELAWN ST, ALGONAC, MI 48001-1161
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 7, 2022	Deed of Trust, Mortgage · FHA Mortgage MICHIGAN MUTUAL INC
Mar 13, 2023	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Mar 31, 2022	Warranty Deed, Transfer PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC
Mar 10, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK
Jul 25, 2018	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2026 · Amount on File
Deed Sale	Aug 6, 2026 · Amount on File
Prior Sale	Mar 13, 2023 · Amount on File
Deed Document Number	202615837
Deed Book / Page	5951 / 190
Prior Transfer Date	Mar 2, 2009
Prior Transfer Doc	003935/862
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 6, 2026
Property Address	226 ROSELAWN ST, ALGONAC, MI 48001-1161
Document Number	0000015837
Book / Page	5951 / 190
Instrument Date	Jul 31, 2026
Instrument	202615837
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	E TITLE LLC, V1MN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189,375.00
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	226 ROSELAWN ST, ALGONAC, MI 48001-1161

Mortgage

Document Number	0000016130,
Date	Aug 6, 2026
Book Page	5952/591
Instrument	202616130

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

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

Interest

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	226 ROSELAWN ST, ALGONAC, MI 48001-1161
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1579 PUG RD, SAINT CLAIR, MI 48079-3562

Mortgage

Document Number	0005495130
Date	Mar 7, 2022
Book Page	5495/130
Instrument	2022005531

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	PORT HURON, MI 48060

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 13, 2023
Property Address	226 ROSELAWN ST, ALGONAC, MI 48001-1161
Document Number	0005604648
Book / Page	5604 / 648
Map Reference	LB 49 PG 1
Instrument Date	Mar 6, 2023
Instrument	2023004020
Transaction Type	Transfer
Record Updated	Apr 6, 2023
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,770.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	226 ROSELAWN ST, ALGONAC, MI 48001-1161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2632 SUNCREST DR, SARASOTA, FL 34239-4939

Mortgage

Document Number	0005601837
Date	Mar 2, 2023
Book Page	5601/837
Instrument	2023003307

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2053

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 31, 2022
Property Address	226 ROSELAWN ST, ALGONAC, MI 48001-1161
Document Number	0005505671
Book / Page	5505 / 671
Map Reference	LB 49 PG 1
Instrument Date	Mar 2, 2022
Instrument	2022008510
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	226 ROSELAWN ST, 226, ALGONAC, MI 48001-1161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 ROSELAWN ST, ALGONAC, MI 48001-1161

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 10, 2021
Property Address	226 ROSELAWN ST, ALGONAC, MI 48001-1161
Document Number	0005332589
Book / Page	5332 / 589
Instrument Date	Jan 29, 2021
Instrument	2021007065
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	JB TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56 ALBERT STREET, 56, MITCHELLE XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 E MELDRUM CIR, SAINT CLAIR, MI 48079-4238

Mortgage

Document Number	0005321287
Date	Feb 22, 2021
Book Page	5321/287
Instrument	2021004892

Lender

Name	FIRST STATE BANK
Type	Bank
Address	PAINTSVILLE, KY 41240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 25, 2018
Property Address	226 ROSELAWN ST, ALGONAC, MI 48001-1161
Document Number	0049700916
Book / Page	004970 / 000916
Instrument Date	Jul 16, 2018
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$1,419.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	56 ALBERT ST

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		$158,300 (+8.42%)	$316,600 (+8.42%)
2025	$5,862.00 (-1.21%) Homeowner's exemption	$146,000 (+17.27%)
2024	$5,934.00 (+35.88%)		$292,000 (+17.27%)
2023		$124,500
2022	$4,367.00		$249,000

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 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

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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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