2814 Fruit St, Algonac, MI 48001 Property Records

St. Clair County property record for 2814 Fruit St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,326 sqft · built 2001
Lot Size	0.288 acres (12,545 sqft)
Owner	Individual Name on Record
Last Sale	$244,000 (Jul 2023)
Tax Bill	$4,026 (2025)
Deeds & Mortgages	May 2023 Mortgage Jul 2023 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-541-0148-100`

Property Details

APN / Parcel Number

Primary APN	`74-14-541-0148-100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,326 sqft Living Area
1st Floor Area	1,326 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	12,545 sqft (0.288 acres)
Lot Dimensions	138 ft deep x 91 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2814 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 680.76' & N 3D 0M 26S W 19.60' FROM S 1/4 COR OF SEC 4, TH N 3D 0M 26S W 139.33', TH N
Legal Subdivision	SUPERVISORS ROY T GILBERTS PLAT #17
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 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	2814 FRUIT ST, ALGONAC, MI 48001-4810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC
Jul 5, 2023	Warranty Deed, Transfer
Jul 26, 2023	Intrafamily Transfer, Transfer BIG TITLE AND ESCROW, BIG RAPIDS TITLE & ESCROW
Mar 19, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MICHIGAN STATE HOUSING DEV AUTHORITY
Mar 10, 2021	Warranty Deed, Transfer · FHA Mortgage THE HUNTINGTON NATIONAL BANK
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage ADVIA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Prior Sale	Mar 10, 2021 · Amount on Record
Deed Document Number	202311790
Deed Book / Page	5634 / 245
Last Transfer Date	Jul 26, 2023
Transfer Doc	0005640905
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2814 FRUIT ST, ALGONAC, MI 48001-4810
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8766 STERVING CENTER LINE, CENTER LINE, MI 48015

Mortgage

Document Number	0005619149
Date	May 5, 2023
Book Page	5619/149
Instrument	2023008181

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 5, 2023
Property Address	2814 FRUIT ST, ALGONAC, MI 48001-4810
Document Number	0005634245
Book / Page	5634 / 245
Map Reference	LB 50 PG 30
Instrument Date	May 2, 2023
Instrument	2023011790
Transaction Type	Transfer
Record Updated	Jul 28, 2023

Transaction

Amount	Amount Recorded
Tax	$1,830.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2814 FRUIT ST, ALGONAC, MI 48001-4810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8766 STERLING, CENTER LINE, MI 48015-1797

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 26, 2023
Property Address	2814 FRUIT ST, ALGONAC, MI 48001-4810
Document Number	0005640905
Book / Page	5640 / 905
Map Reference	LB 50 PG 30
Instrument Date	May 2, 2023
Instrument	2023013202
Transaction Type	Transfer
Record Updated	Aug 10, 2023
Title Company	BIG TITLE AND ESCROW, BIG RAPIDS TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2814 FRUIT ST, CLAY, MI 48001-4810

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2814 FRUIT ST, CLAY, MI 48001-4810

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2814 FRUIT ST, ALGONAC, MI 48001-4810
Transaction Type	Mortgage
Record Updated	Feb 11, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2814 FRUIT ST, ALGONAC, MI 48001-4810

Mortgage

Document Number	0005337553
Date	Mar 19, 2021
Book Page	5337/553
Instrument	2021008050

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 10, 2021
Property Address	2814 FRUIT ST, ALGONAC, MI 48001-4810
Document Number	0005332608
Book / Page	5332 / 608
Map Reference	LB 50 PG 30
Instrument Date	Feb 22, 2021
Instrument	2021007071
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	JB TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,537.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2814 FRUIT ST, 2814, ALGONAC, MI 48001-4810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2814 FRUIT ST, ALGONAC, MI 48001-4810
Investor	Possibly a Property Investor

Mortgage

Document Number	0005337538
Date	Mar 19, 2021
Book Page	5337/538
Instrument	2021008049

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2814 FRUIT ST, ALGONAC, MI 48001-4810
Document Number	0051910533
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2814 FRUIT ST ALGONAC MI 480014810, ALGONAC, MI 48001-4810

Mortgage

Document Number	0051910533
Date	May 26, 2020
Book Page	005191/000533

Lender

Name	ADVIA CU
Type	Credit Union
Address	PARCHMENT, MI 49004

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 17, 2026

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
2026		$136,700 (+13.44%)	$273,400 (+13.44%)
2025	$4,026.00 (+2.29%) Homeowner's exemption	$120,500 (+10.45%)
2024	$3,936.00 (+12.01%)		$241,000 (+10.45%)
2023		$109,100
2022	$3,514.00		$218,200

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 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

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	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 Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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