2800 Fruit St, Algonac, MI 48001 Property Records

St. Clair County property record for 2800 Fruit St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,362 sqft · built 2001
Lot Size	0.339 acres (14,767 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Oct 2025)
Tax Bill	$2,888 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2025 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-541-0148-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-541-0148-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,362 sqft Living Area
1st Floor Area	1,362 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	14,767 sqft (0.339 acres)
Lot Dimensions	134 ft deep x 110 ft wide
Garage Area	1,263 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2800 FRUIT ST
City	ALGONAC
State	MI
Zip	48001-4810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	THAT PART OF LOT 1323, BEG N 86D 1M E 771.75' & N 3D 0M 26S W 15.93' FROM S 1/4 COR OF SEC 4 COR, TH N 3D 0M 26S W 137', TH N 89D 47M 42S E 109.76', TH S3D 9M 30S E 134.20', TH S 88D 19M 40S W 110' TO BEG SUPERVISORS ROY T GILBERT'S PLAT NO 17
Legal Subdivision	SUPRVRS ROY T GILBERTS 17-CLAY
Legal Lot Number	1323
Legal Unit	1323
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3008
Census Tract	646000

Owner

Source: St. Clair County assessment roll, as of October 7, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	16651 ENGLISH GARDEN DR, MACOMB, MI 48042-1199
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
Oct 14, 2025	Warranty Deed, Transfer JBN TITLE, JB TITLE
Oct 9, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
Aug 19, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIORITY FINANCIAL NETWORK
Nov 6, 2020	Warranty Deed, Transfer PREMIER TITLE AGENCY LLC
Mar 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FPMC REALTY LC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 14, 2025 · Amount on Record
Deed Sale	Oct 14, 2025 · Amount on Record
Prior Sale	Aug 19, 2021 · Amount on Record
Deed Document Number	202519524
Deed Book / Page	5860 / 842
Prior Transfer Date	Sep 9, 2025
Prior Transfer Doc	0005859701
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2800 FRUIT ST, ALGONAC, MI 48001-4810
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16651 ENGLISH GARDEN DR, MACOMB, MI 48042-1199

Mortgage

Document Number	0005850944
Date	Sep 15, 2025
Book Page	5850/944
Instrument	2025017414

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company
Address	25531 COMMERCENTRE DR STE 250, LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 14, 2025
Property Address	2800 FRUIT ST, ALGONAC, MI 48001-4810
Document Number	0005860842
Book / Page	5860 / 842
Map Reference	LB 50 PG 30
Instrument Date	Sep 9, 2025
Instrument	2025019524
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	JBN TITLE, JB TITLE

Transaction

Amount	Amount Recorded
Tax	$2,137.50
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2800 FRUIT ST, ALGONAC, MI 48001-4810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16651 ENGLISH GARDEN DR, MACOMB, MI 48042-1199

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 9, 2025
Property Address	2800 FRUIT ST, ALGONAC, MI 48001-4810
Document Number	0005859701
Book / Page	5859 / 701
Map Reference	LB 50 PG 30
Instrument Date	Sep 9, 2025
Instrument	2025019252
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	UNKNOWN, SPEEDY TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2800 FRUIT ST, ALGONAC, MI 48001-4810

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2800 FRUIT ST, ALGONAC, MI 48001-4810

Mortgage

Document Number	2025017414
Date	Oct 9, 2025
Instrument	2025017414

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 19, 2021
Property Address	2800 FRUIT ST, ALGONAC, MI 48001-4810
Document Number	5410715
Book / Page	5410 / 715
Map Reference	LB 50 PG 30
Instrument Date	Jul 16, 2021
Instrument	2021023976
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	JBN TITLE, JB TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2800 FRUIT ST, 2800, ALGONAC, MI 48001-4810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 FRUIT ST, ALGONAC, MI 48001-4810
Investor	Possibly a Property Investor

Mortgage

Document Number	2021023977
Date	Aug 19, 2021
Instrument	2021023977

Lender

Name	PRIORITY FINANCIAL NETWORK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 6, 2020
Property Address	2800 FRUIT ST, ALGONAC, MI 48001-4810
Document Number	0005268325
Book / Page	5268 / 325
Map Reference	LB 50 PG 30
Instrument Date	Oct 21, 2020
Instrument	2020027781
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	PREMIER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$2,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2800 FRUIT ST, 2800, ALGONAC, MI 48001-4810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53276 PINERIDGE DR # 80, 80, CHESTERFIELD, MI 48051-2746

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2800 FRUIT ST, ALGONAC, MI 48001-4810
Document Number	0051640615
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	Apr 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	OF2800 FRUIT ST ALGONAC MI 48001, ALGONAC, MI 48001

Mortgage

Document Number	0051640615
Date	Mar 17, 2020
Book Page	005164/000615

Lender

Name	FPMC REALTY LC
Address	911 MILITARY ST, PORT HURON, MI 48060-5414

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Clay Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,888.00 (-41.83%) Homeowner's exemption	$158,300 (+10.24%)
2024	$4,965.00 (+8.81%)		$316,600 (+10.24%)
2023		$143,600
2022	$4,563.00		$287,200

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	12 (1985–1995)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Aug 1995 · 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLAY TOWNSHIP serves 9,866 people · EPA ID MI0001450
Water Source	Purchased surface water from CITY OF ALGONAC
Last State Inspection	May 2021
Lead	3 ppb (2021–2023) 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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