St. Clair County property record for 312 Colonial Ln, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,776 sqft |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,370 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-131-0044-000 |
| Primary APN | 74-01-131-0044-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,776 sqft Living Area |
| 1st Floor Area | 1,776 sqft |
| Architectural Style | Ranch |
|---|---|
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 145 ft deep x 88 ft wide |
| Garage Area | 1,800 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 312 COLONIAL LN |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 596 & NWLY 13' OF LOT 597 SUPERVISOR ROY T GILBERT'S PLAT NO. 5 |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 5-ALGON |
| Legal Lot Number | 596-597 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 649000 |
312 Colonial Ln is owned and occupied by two individuals.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 COLONIAL LN, ALGONAC, MI 48001-1111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 312 COLONIAL LN, ALGONAC, MI 48001-1111 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2021 |
| Name | Verified Name |
|---|---|
| Address | 312 COLONIAL LN, ALGONAC, MI 48001-1111 |
| Document Number | 5334610 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 5334/610 |
| Instrument | 2021007434 |
| Name | MICHIGAN SCHOOLS & GOVERNMENT CU |
|---|---|
| Type | Credit Union |
| Address | ALGONAC, MI 48001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 14, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 312 Colonial Ln was $2,370 with a homeowner's exemption, up 2% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Algonac City |
| County | St. Clair County |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $96,400 (+3.1%) | $192,800 | |
| 2025 | $2,370.00 (+2.02%) Homeowner's exemption | $93,500 | |
| 2024 | $2,323.00 | $187,000 | |
| 2023 | $76,600 | ||
| 2022 | $2,071.00 | $153,200 |
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.
FEMA maps place 312 Colonial Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 risk around 312 Colonial Ln is low, with a 0.01% annual chance of 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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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