2441 Saint Clair River Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 2441 Saint Clair River Dr, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,098 sqft · built 1830
Lot Size	0.95 acres (41,382 sqft)
Owner	Individual Name on Record
Last Sale	$294,999 (Sep 2013)
Tax Bill	$5,633 (2025)
Deeds & Mortgages	Jul 2022 Second Mortgage Nov 2017 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`74-01-151-0004-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-151-0004-000`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	5,098 sqft Living Area
1st Floor Area	3,285 sqft
Basement Area	2,855 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1830
Effective Year Built	Effective 1830
Lot Area	41,382 sqft (0.95 acres)
Lot Dimensions	434 ft deep x 95.6 ft wide
Garage Area	2,132 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	2441 SAINT CLAIR RIVER DR
City	ALGONAC
State	MI
Zip	48001-1144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 7 LOCUST POINT SEC 02 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	LOCUST POINT
Legal Lot Number	7
Legal Unit	7
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1010
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	2441 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LAKE TRUST CU
Nov 29, 2017	Deed of Trust, Mortgage · Line of Credit LAKE TR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2013 · Amount on Record
Deed Sale	Sep 9, 2013 · Amount on Record
Deed Document Number	201325463
Deed Book / Page	4440 / 9
Prior Transfer Date	Jan 1, 2011
Prior Transfer Doc	004101/299
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2441 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1144
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2441 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1144

Mortgage

Document Number	0005540739
Date	Jul 11, 2022
Book Page	5540/739
Instrument	2022016519

Lender

Name	LAKE TRUST CU
Type	Credit Union
Address	BRIGHTON, MI 48114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jun 28, 2032

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2441 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1144
Document Number	0048970660
Book / Page	004897 / 000660
Instrument Date	Nov 29, 2017
Transaction Type	Mortgage
Record Updated	Jan 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2441 SAINT CLAIR RIVER DR ALGONAC MI 480011144, ALGONAC, MI 48001-1144

Mortgage

Document Number	0048970660
Date	Dec 6, 2017
Book Page	004897/000660

Lender

Name	LAKE TR CU
Type	Funding / Finance Company
Address	BRIGHTON, MI 48114

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 5, 2032

Interest

Rate Type	Adjustable 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		$235,400 (+5.28%)	$470,800 (+5.28%)
2025	$5,633.00 (+1.97%) Homeowner's exemption	$223,600 (+18.62%)
2024	$5,524.00 (+11.84%)		$447,200 (+18.62%)
2023		$188,500
2022	$4,939.00		$377,000

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

Nearby Properties on Saint Clair River Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures