229 North Ave, Algonac, MI 48001 Property Records

St. Clair County property record for 229 North Ave, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 934 sqft · built 1946
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$143,000 (May 2021)
Tax Bill	$1,921 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-157-0010-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-157-0010-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	934 sqft Living Area
1st Floor Area	934 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Ranch
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	132 ft deep x 46.9 ft wide
Garage Area	616 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	229 NORTH AVE
City	ALGONAC
State	MI
Zip	48001-1165
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 9 RESURVEY OF LOTS 1 TO 9 INC OWANA BEACH PLAT
Legal Subdivision	OWANA BEACH PLAT
Legal Lot Number	1-9
Legal Unit	9,1
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 April 15, 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	229 NORTH AVE, ALGONAC, MI 48001-1165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Deed of Trust, Mortgage · Line of Credit ADVIA CREDIT UNION
May 14, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Mar 15, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Deed Document Number	202114748
Deed Book / Page	5366 / 243
Prior Transfer Date	Mar 15, 2018
Prior Transfer Doc	004925/435
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 3, 2026
Property Address	229 NORTH AVE, ALGONAC, MI 48001-1165
Document Number	0000006385
Book / Page	5912 / 161
Instrument Date	Mar 30, 2026
Instrument	20266385
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 NORTH AVE, ALGONAC, MI 48001-1165

Mortgage

Document Number	0000006385,
Date	Apr 3, 2026
Book Page	5912/161
Instrument	20266385

Lender

Name	ADVIA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	5.98%
Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 14, 2021
Property Address	229 NORTH AVE, ALGONAC, MI 48001-1165
Document Number	5366243
Book / Page	5366 / 243
Map Reference	LB 39 PG 3
Instrument Date	Apr 23, 2021
Instrument	2021014748
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,072.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	229 NORTH AVE, 229, ALGONAC, MI 48001-1165

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 NORTH AVE, ALGONAC, MI 48001-1165

Mortgage

Document Number	2021014749
Date	May 14, 2021
Instrument	2021014749

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 15, 2018
Property Address	229 NORTH AVE, ALGONAC, MI 48001-1165
Document Number	0049250435
Book / Page	004925 / 000435
Instrument Date	Mar 15, 2018
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 N AVENUE ALGONAC ALGONAC MI 48001, ALGONAC, MI 48001

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	$1,921.00 (-38.76%) Homeowner's exemption	$91,100 (+17.1%)
2024	$3,137.00 (+12.2%)		$182,200 (+17.1%)
2023		$77,800
2022	$2,796.00		$155,600

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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