351 Center St, Algonac, MI 48001 Property Records

St. Clair County property record for 351 Center St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1995
Lot Size	1.07 acres (46,609 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Sep 2023)
Tax Bill	$4,948 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jul 2017 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`74-01-145-0023-001`

Property Details

APN / Parcel Number

Primary APN	`74-01-145-0023-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Lot Area	46,609 sqft (1.07 acres)
Lot Dimensions	311 ft deep x 150 ft wide
Garage Area	960 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	351 CENTER ST
City	ALGONAC
State	MI
Zip	48001-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	ALL OF LOT 28 & LOTS 33 & 34 EXC NE'LY 100' KENDALL FARM SUBDIVISON ACCORDING TO THE PLAT RECORDED IN LIBER 17 OF PLATS PG
Legal Subdivision	KENDALL FARM
Legal Lot Number	28,33
Legal Unit	28,3
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1017
Census Tract	649000

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	351 CENTER ST, ALGONAC, MI 48001-1107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 6, 2017	Loan Modification, Mortgage · VA Mortgage NATIONSTAR MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2023 · Amount on Record
Deed Sale	Sep 15, 2023 · Amount on Record
Prior Sale	Oct 5, 2005
Deed Document Number	202316378
Deed Book / Page	5654 / 502
Prior Transfer Date	Sep 28, 2005
Prior Transfer Doc	003433/725
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 15, 2023
Property Address	351 CENTER ST, ALGONAC, MI 48001-1107
Document Number	0005654502
Book / Page	5654 / 502
Map Reference	LB 17 PG 162
Instrument Date	Aug 25, 2022
Instrument	2023016378
Transaction Type	Transfer
Record Updated	Oct 3, 2023
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,425.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	351 CENTER ST, ALGONAC, MI 48001-1107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5833 FRED W MOORE HWY, CHINA, MI 48054-1302

Mortgage

Document Number	0005654505
Date	Sep 15, 2023
Book Page	5654/505
Instrument	2023016379

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAINT CLAIR MI
Property Address	351 CENTER ST, ALGONAC, MI 48001-1107
Document Number	0048570457
Book / Page	004857 / 000457
Instrument Date	Jul 6, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 CENTER ST ALGONAC MI 480011107, ALGONAC, MI 48001-1107

Mortgage

Document Number	0048570457
Date	Aug 11, 2017
Book Page	004857/000457

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Aug 10, 2045

Interest

Rate	2.75%

Tax Assessment & Valuation

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

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
2026		$130,200 (+3.42%)	$260,400 (+3.42%)
2025	$4,948.00 (+2%) Homeowner's exemption	$125,900 (+23.8%)
2024	$4,851.00 (+43.35%)		$251,800 (+23.8%)
2023		$101,700
2022	$3,384.00		$203,400

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 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

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