2866 Fruit St, Algonac, MI 48001 Property Records

St. Clair County property record for 2866 Fruit St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,186 sqft
Lot Size	0.61 acres (26,615 sqft)
Owner	Individual Name on File
Last Sale	$227,000 (Jan 2026)
Tax Bill	$3,330 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-541-0147-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-541-0147-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,186 sqft Living Area

Exterior

Lot Area	26,615 sqft (0.61 acres)
Lot Dimensions	355 ft deep x 75 ft wide
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	74145410147000
Street Address	2866 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	LOT 1322 & ELY 25 FT OF LOT 1321 SUPERVISOR ROY T GILBERTS PLAT NO 17
Legal Range	16E
Legal Township	02N
Legal Section	04
Legal Subdivision	SUPRVRS ROY T GILBERTS 17-CLAY
Legal Lot Number	1322
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 March 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	126 WOODLAND AVE, MOHNTON, PA 19540-2108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Oct 23, 2023	Warranty Deed, Transfer · Second Mortgage (Down Payment) MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 12, 2026 · Amount on Record
Deed Sale	Jan 12, 2026 · Amount on Record
Prior Sale	Oct 23, 2023 · Amount on Record
Deed Document Number	2026000602
Deed Book / Page	5887 / 656
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 12, 2026
Property Address	2866 FRUIT ST, ALGONAC, MI 48001-4810
Document Number	0005887656
Book / Page	5887 / 656
Map Reference	LB 50 PG 30
Instrument Date	Dec 5, 2025
Instrument	2026000602
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	STERLING TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,702.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2866 FRUIT ST, ALGONAC, MI 48001-4810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 WOODLAND AVE, MOHNTON, PA 19540-2108

Mortgage

Document Number	2026000603
Date	Jan 12, 2026
Instrument	2026000603

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 23, 2023
Property Address	2866 FRUIT ST, ALGONAC, MI 48001-4810
Document Number	0005664751
Book / Page	5664 / 751
Map Reference	LB 50 PG 30-32
Instrument Date	Oct 10, 2023
Instrument	2023018818
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,612.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2866 FRUIT ST, ALGONAC, MI 48001-4810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2866 FRUIT ST, ALGONAC, MI 48001-4810

Mortgage

Document Number	2023018820
Date	Oct 23, 2023
Instrument	2023018820

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

Mortgage

Document Number	0005664753
Date	Oct 23, 2023
Book Page	5664/753
Instrument	2023018819

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 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		$100,900 (+14.4%)
2024	$3,330.00 (+66.17%)		$201,800 (+14.4%)
2023		$88,200
2022	$2,004.00		$176,400

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	Direct burnable vegetation at the parcel

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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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