2421 Saint Clair River Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 2421 Saint Clair River Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,111 sqft · built 1972
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jun 2023)
Tax Bill	$5,487 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-131-0072-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-131-0072-000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,111 sqft Living Area
1st Floor Area	1,215 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	179 ft deep x 100 ft wide
Garage Area	1,188 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	2421 SAINT CLAIR RIVER DR
City	ALGONAC
State	MI
Zip	48001-1142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOTS 640 & 641 SUPERVISOR ROY T GILBERT'S PLAT NO. 5
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #5
Legal Lot Number	640-641
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1013
Census Tract	649000

Owner

Source: St. Clair County records, as of September 17, 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	2421 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 6, 2021	Intrafamily Transfer, Transfer · FHA Mortgage UNIVERSITY LENDING GROUP LLC
Oct 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2023 · Amount on Record
Deed Sale	Jun 20, 2023 · Amount on Record
Prior Sale	Aug 6, 2021
Deed Document Number	202310883
Deed Book / Page	5630 / 390
Prior Transfer Date	Jul 26, 2021
Prior Transfer Doc	5404715
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 20, 2023
Property Address	2421 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1142
Document Number	0005630390
Book / Page	5630 / 390
Map Reference	LB 49 PG 3
Instrument Date	May 31, 2023
Instrument	2023010883
Transaction Type	Transfer
Record Updated	Jul 12, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2421 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1142

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2421 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1142

Mortgage

Document Number	2023010988
Date	Jun 20, 2023
Instrument	2023010988

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 6, 2021
Property Address	2421 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1142
Document Number	5404715
Book / Page	5404 / 715
Map Reference	LB 49 PG 3
Instrument Date	Jul 26, 2021
Instrument	2021022700
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	838 TOWNSEND CRES W, 838, ALGONAC, MI 48001-1622

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2421 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1142

Mortgage

Document Number	2021022701
Date	Aug 6, 2021
Instrument	2021022701

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2421 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1142
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5001652
Date	Oct 24, 2018
Book Page	5001/652
Instrument	2018023831

Lender

Name	HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2048

Interest

Rate Type	Fixed Rate

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		$143,400 (+3.24%)	$286,800 (+3.24%)
2025	$5,487.00 (+2.01%) Homeowner's exemption	$138,900 (+21.63%)
2024	$5,379.00 (+85.42%)		$277,800 (+21.63%)
2023		$114,200 (+13.41%)
2022	$2,901.00 (+4.47%) Homeowner's exemption	$100,700	$228,400 (+13.41%)
2021	$2,777.00		$201,400

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 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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