307 Colonial Ln, Algonac, MI 48001 Property Records

St. Clair County property record for 307 Colonial Ln, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,415 sqft · built 1900
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Sep 2025)
Tax Bill	$2,089 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-01-131-0020-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-131-0020-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,415 sqft Living Area
1st Floor Area	1,328 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	145 ft deep x 189 ft wide
Garage Area	836 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	307 COLONIAL LN
City	ALGONAC
State	MI
Zip	48001-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOTS 570 & 571 SUPV ROY T GILBERTS PLAT NO 5 SEC 02 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	SUPERVISORS ROY T GILBERTS PLAT NO 5
Legal Lot Number	570-571
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1011
Census Tract	649000

Owner

Source: St. Clair County records, as of December 23, 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 Record
Mailing Address	21790 MCPHALL RD, ARMADA, MI 48005-1323
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2025 · Amount on Record
Deed Sale	Sep 19, 2025 · Amount on Record
Deed Document Number	202517751
Deed Book / Page	5852 / 479
Prior Transfer Date	Nov 18, 2015
Prior Transfer Doc	00004692/8
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 19, 2025
Property Address	307 COLONIAL LN, ALGONAC, MI 48001-1110
Document Number	0005852479
Book / Page	5852 / 479
Map Reference	LB 49 PG 3
Instrument Date	Aug 27, 2025
Instrument	2025017751
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	307 COLONIAL LN, ALGONAC, MI 48001-1110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21790 MCPHALL RD, ARMADA, MI 48005-1323

Mortgage

Document Number	2025017752
Date	Sep 19, 2025
Instrument	2025017752

Lender

Name	FIRST INDEPENDENCE BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 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	$2,089.00 (-39.03%) Homeowner's exemption	$148,200 (+20.59%)
2024	$3,426.00 (+12.14%)		$296,400 (+20.59%)
2023		$122,900
2022	$3,055.00		$245,800

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 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 (outdoors only) and 4G LTE

Nearby Properties on Colonial Ln

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