331 Virginia Ave, Algonac, MI 48001 Property Records

St. Clair County property record for 331 Virginia Ave, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,682 sqft · built 1945
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Jan 2020)
Tax Bill	$3,095 (2024)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-151-0003-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-151-0003-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,682 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Architectural Style	Ranch
Lot Area	14,810 sqft (0.339 acres)
Lot Dimensions	146 ft deep x 100 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	74011510003000
Street Address	331 VIRGINIA AVE
City	ALGONAC
State	MI
Zip	48001-1149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOTS 5 & 6 INCL 1/2 VAC ALLEY ADJ LOCUST POINT SEC 02 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	LOCUST POINT
Legal Lot Number	5-6 6
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1013
Census Tract	649000

Owner

Source: St. Clair County records, as of October 6, 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 Record
Mailing Address	331 VIRGINIA AVE, ALGONAC, MI 48001-1149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Feb 10, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Jan 22, 2020	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2020 · Amount on Record
Deed Sale	Jan 22, 2020 · Amount on Record
Deed Document Number	2020001970
Deed Book / Page	5143 / 894
Record Updated	Jun 7, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	331 VIRGINIA AVE, ALGONAC, MI 48001-1149
Transaction Type	Mortgage
Record Updated	Aug 6, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 VIRGINIA AVE, ALGONAC, MI 48001-1149

Mortgage

Document Number	5397873
Date	Jul 23, 2021
Book Page	5397/873
Instrument	2021021342

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Feb 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	331 VIRGINIA AVE, ALGONAC, MI 48001-1149
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 VIRGINIA AVE, ALGONAC, MI 48001-1149

Mortgage

Document Number	0053170303
Date	Feb 10, 2021
Book Page	5317/303
Instrument	2021004064

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 22, 2020
Property Address	331 VIRGINIA AVE, ALGONAC, MI 48001-1149
Document Number	0051430894
Book / Page	005143 / 000894
Instrument Date	Nov 21, 2019
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,376.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	59541 SUSAN LN E NEW HAVEN MI 480483202, NEW HAVEN, MI 48048-3202

Mortgage

Document Number	51430896
Date	Jan 22, 2020
Book Page	005143/000896

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2050

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 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		$98,500 (+21.31%)
2024	$3,095.00 (+12.22%)		$197,000 (+21.31%)
2023		$81,200
2022	$2,758.00		$162,400

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 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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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