2445 Locust Ln, Algonac, MI 48001 Property Records

St. Clair County property record for 2445 Locust Ln, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 949 sqft · built 1955
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Dec 2021)
Tax Bill	$2,266 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-151-0010-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-151-0010-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	949 sqft Living Area
1st Floor Area	949 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	116 ft deep x 80 ft wide
Garage Area	920 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2445 LOCUST LN
City	ALGONAC
State	MI
Zip	48001-1119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOTS 16 & 17 LOCUST POINT
Legal Subdivision	LOCUST POINT
Legal Lot Number	16-17
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	2445 LOCUST LN, ALGONAC, MI 48001-1119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Dec 8, 2021	Warranty Deed, Transfer VANGUARD TITLE COMPANY
Dec 8, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2021 · Amount on Record
Deed Sale	Dec 8, 2021 · Amount on Record
Prior Sale	Apr 25, 2013 · Amount on Record
Deed Document Number	202134451
Deed Book / Page	5460 / 613
Prior Transfer Date	Jan 31, 2021
Prior Transfer Doc	0005460612
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2445 LOCUST LN, ALGONAC, MI 48001-1119
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11456 NORA DR, FENTON, MI 48430-8702

Mortgage

Document Number	0005379667
Date	Jun 15, 2021
Book Page	5379/667
Instrument	2021017694

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Type	Mortgage Company
Address	ANN ARBOR, MI 48108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 8, 2021
Property Address	2445 LOCUST LN, ALGONAC, MI 48001-1119
Document Number	0005460613
Book / Page	5460 / 613
Map Reference	LB 48 PG 46
Instrument Date	Jun 10, 2021
Instrument	2021034451
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	VANGUARD TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$862.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2445 LOCUST LN, 2445, ALGONAC, MI 48001-1119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15197 MC CASIN LAKE RD, LINDEN, MI 48451-8515

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 8, 2021
Property Address	2445 LOCUST LN, ALGONAC, MI 48001-1119
Document Number	0005460612
Book / Page	5460 / 612
Map Reference	LB 48 PG 46
Instrument Date	Jan 31, 2021
Instrument	2021034450
Transaction Type	Transfer
Record Updated	Dec 31, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2445 LOCUST LN, ALGONAC, MI 48001-1119

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		$66,800 (+2.45%)	$133,600 (+2.45%)
2025	$2,266.00 (+2.03%) Homeowner's exemption	$65,200 (+24.67%)
2024	$2,221.00 (+12.23%)		$130,400 (+24.67%)
2023		$52,300
2022	$1,979.00		$104,600

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	Direct burnable vegetation

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 Locust Ln

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