2314 Saint Clair River Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 2314 Saint Clair River Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,309 sqft · built 1945
Lot Size	0.089 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$106,000 (Jan 2018)
Tax Bill	$2,594 (2024)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-01-155-0008-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-155-0008-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,309 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Lot Area	3,920 sqft (0.089 acres)
Lot Dimensions	81.9 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	74011550008000
Street Address	2314 SAINT CLAIR RIVER DR
City	ALGONAC
State	MI
Zip	48001-1189
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	THAT PART OF LOT 19 COMM AT MOST WLY COR OF LOT 19, TH SE ALG LOT LINE 89', TH NELY 51.6', TH NWLY 84.6', TH SWLY ALG ST
Legal Subdivision	OWANA BEACH
Legal Lot Number	19
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1006
Census Tract	649000

Owner

Source: St. Clair County records · APN 74-01-155-0008-000

Assessment roll updated March 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2314 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1189
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 26, 2018 · Amount on Record
Deed Sale	Jan 26, 2018 · Amount on Record
Deed Document Number	2018001953
Deed Book / Page	004911 / 000362
Record Updated	Jun 08, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 26, 2018
Property Address	2314 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1189
Document Number	0049110362
Book / Page	004911 / 000362
Instrument Date	Jan 17, 2018
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$911.60
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	9165 MAYNARD RD CLAY MI 480014265, CLAY, MI 48001-4265

Mortgage

Document Number	49110365
Date	Jan 26, 2018
Book Page	004911/000365

Lender

Name	CONSUMER R/E FIN
Type	Funding / Finance Company
Address	FORT LAUDERDALE, FL 33301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2048

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated March 1, 2025 · Last verified October 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$78,900 (+10.97%)
2024	$2,594.00 (+12.34%)		$157,800 (+10.97%)
2023		$71,100
2022	$2,309.00		$142,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), updated July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476490001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 231 locations within half a mile · Last verified October 2026

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

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	CITY OF ALGONAC serves 4,110 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.