2459 Locust Ln, Algonac, MI 48001 Property Records

St. Clair County property record for 2459 Locust Ln, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 ba · 795 sqft
Lot Size	0.219 acres (9,583 sqft)
Owner	Owner Name on File
Tax Bill	$1,817 (2024)
Deeds & Mortgages	Dec 2020 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`74-01-151-0008-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-151-0008-000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	795 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	132 ft deep x 72.2 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	74011510008000
Street Address	2459 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 13 & 14 LOCUST POINT
Legal Subdivision	LOCUST POINT
Legal Lot Number	13-14 14
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1010
Census Tract	649000

Owner

Source: St. Clair County assessment roll, as of March 1, 2025

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

Owner of Record	Owner Name on File
Mailing Address	2459 LOCUST LN, ALGONAC, MI 48001-1119
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Feb 22, 2007
Transfer Doc	0036850003
Record Updated	Jun 7, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2459 LOCUST LN, ALGONAC, MI 48001-1119
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2459 LOCUST LN, ALGONAC, MI 48001-1119

Mortgage

Document Number	0052870768
Date	Dec 14, 2020
Book Page	5287/768
Instrument	2020031535

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 5, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$68,000 (+24.54%)
2024	$1,817.00 (+12.37%)		$136,000 (+24.54%)
2023		$54,600
2022	$1,617.00		$109,200

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	Direct burnable vegetation at the parcel

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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