2503 Saint Clair River Dr, Algonac, MI 48001 Property Records

St. Clair County property record for 2503 Saint Clair River Dr, Algonac, MI 48001

Property Summary

Property Type	Other
Details	3 bd · 2 ba · 1,645 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Sep 2020)
Deeds & Mortgages	Mar 2020 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-131-0076-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-131-0076-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,645 sqft Living Area

Exterior

Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	113 ft deep x 75 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	74011310076000
Street Address	2503 SAINT CLAIR RIVER DR
City	ALGONAC
State	MI
Zip	48001-1190
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	RETIRED PARCEL 10-27-20; COMBINATION LOT 646 INCL RIVER FRONT EXC NLY 54.5' SUPERVISOR ROY T GILBERT'S PLAT NO. 5 SPLIT ON
Legal Subdivision	SUPRVRS ROY T GILBERTS 5-ALGON
Legal Lot Number	646
Legal Unit	646
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1004
Census Tract	649000

Owner

Source: St. Clair County records, as of July 31, 2023

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	2515 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1190
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Mar 13, 2019	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 4, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Prior Sale	Mar 13, 2019 · Amount on Record
Deed Document Number	2020022405
Deed Book / Page	5241 / 128
Record Updated	Jun 7, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2503 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1190
Transaction Type	Mortgage
Record Updated	Sep 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005159940
Date	Mar 4, 2020
Book Page	5159/940
Instrument	2020005555

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2040

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 13, 2019
Property Address	2503 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1190
Document Number	0005037373
Book / Page	5037 / 373
Map Reference	LB 49 PG 3
Instrument Date	Feb 26, 2019
Instrument	2019004398
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	STERLING TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,419.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5460 WHITE OAK AVE # AVEA332, 5460, ENCINO, CA 91316-2401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22442 HARPER LAKE AVE, SAINT CLAIR SHORES, MI 48080-4041

Mortgage

Document Number	2019004399
Date	Mar 13, 2019
Instrument	2019004399

Lender

Name	UNION HOME MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 4, 2018
Property Address	2503 SAINT CLAIR RIVER DR, ALGONAC, MI 48001-1190
Document Number	0049840698
Book / Page	004984 / 000698
Instrument Date	Jan 19, 2012
Transaction Type	Transfer
Record Updated	Sep 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2503 SAINT CLAIR RIVER DR ALGONAC MI 480011190, ALGONAC, MI 48001-1190

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 2023

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Algonac City
County	St. Clair County
Unified School District	Algonac Community School District (KG - 12)

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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 and 4G LTE (outdoors only)

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