2318 Saint Clair River Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 2318 Saint Clair River Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1997
Lot Size	0.139 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$42,000 (Jun 2019)
Tax Bill	$1,406 (2024)
Deeds & Mortgages	Aug 2022 Mortgage Jun 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`74-01-131-0109-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-131-0109-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	988 sqft Living Area

Exterior

Year Built	Built 1997
Architectural Style	Ranch
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	122 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	74011310109000
Street Address	2318 SAINT CLAIR RIVER DR
City	ALGONAC
State	MI
Zip	48001-1141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 697 SUPERVISOR ROY T GILBERT'S PLAT NO. 5
Legal Subdivision	SUPRVRS ROY T GILBERTS 5-ALGON
Legal Lot Number	697
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 October 6, 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 Record
Mailing Address	2318 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK
Jun 20, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2019 · Amount on Record
Deed Sale	Jun 20, 2019 · Amount on Record
Prior Sale	May 20, 2011
Deed Document Number	2019012586
Deed Book / Page	5068 / 219
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2318 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1141
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2318 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1141

Mortgage

Document Number	0005548549
Date	Aug 3, 2022
Book Page	5548/549
Instrument	2022018383

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 20, 2019
Property Address	2318 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1141
Document Number	0050680219
Book / Page	005068 / 000219
Instrument Date	May 22, 2019
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2318 SAINT CLAIR RIVER DR ALGONAC MI 480011141, ALGONAC, MI 48001-1141

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 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		$52,300 (+10.11%)
2024	$1,406.00 (+7.08%)		$104,600 (+10.11%)
2023		$47,500
2022	$1,313.00		$95,000

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 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 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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