355 Colonial Ln, Algonac, MI 48001 Property Records

St. Clair County property record for 355 Colonial Ln, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,380 sqft · built 1952
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Oct 2023)
Tax Bill	$3,310 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Oct 2023 Sale & Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`74-01-131-0027-001`

Property Details

APN / Parcel Number

Primary APN	`74-01-131-0027-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	127 ft deep x 75 ft wide
Garage Area	690 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	355 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	LOT 579 SUPERVISOR ROY T. GILBERT'S PLAT NO. 5 SPLIT ON 08/20/2007 FROM 01-131-0027-000;
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #5
Legal Lot Number	579
Legal Unit	579
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 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	13849 MCKINLEY AVE, WARREN, MI 48089-3610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MICHIGAN STATE HOUSING DEV AUTHORITY
Oct 23, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Jul 8, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 9, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Aug 13, 2018	Deed of Trust, Mortgage
Aug 11, 2017	Deed of Trust, Mortgage STEARNS LNDG
Mar 9, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2023 · Amount on Record
Deed Sale	Oct 23, 2023 · Amount on Record
Prior Sale	Aug 8, 2008 · Amount on Record
Deed Document Number	202318848
Deed Book / Page	5664 / 918
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	355 COLONIAL LN, ALGONAC, MI 48001-1110
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13849 MCKINLEY AVE, WARREN, MI 48089-3610

Mortgage

Document Number	0005661508
Date	Oct 11, 2023
Book Page	5661/508
Instrument	2023018032

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 23, 2023
Property Address	355 COLONIAL LN, ALGONAC, MI 48001-1110
Document Number	0005664918
Book / Page	5664 / 918
Map Reference	LB 49 PG 3
Instrument Date	Oct 6, 2023
Instrument	2023018848
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1227 N CHANNEL DR, HARSENS ISLAND, MI 48028-9781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13849 MCKINLEY AVE, WARREN, MI 48089-3610

Mortgage

Document Number	0005661496
Date	Oct 11, 2023
Book Page	5661/496
Instrument	2023018031

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Nov 1, 2063

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	355 COLONIAL LN, ALGONAC, MI 48001-1110
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	JB TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 COLONIAL LN, ALGONAC, MI 48001-1110

Mortgage

Document Number	0005540303
Date	Jul 8, 2022
Book Page	5540/303
Instrument	2022016411

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	355 COLONIAL LN, ALGONAC, MI 48001-1110
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 COLONIAL LN, ALGONAC, MI 48001-1110

Mortgage

Document Number	5331893
Date	Mar 9, 2021
Book Page	5331/893
Instrument	2021006948

Lender

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

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	355 COLONIAL LN, ALGONAC, MI 48001-1110
Document Number	0050240731
Instrument Date	Aug 13, 2018
Transaction Type	Mortgage
Record Updated	Feb 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 KENYON RD ALGONAC MI 480011600, ALGONAC, MI 48001-1600

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	355 COLONIAL LN, ALGONAC, MI 48001-1110
Document Number	0048750875
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 SHERWOOD LN ALGONAC MI 480011146, ALGONAC, MI 48001-1146

Mortgage

Document Number	0048750875
Date	Oct 3, 2017
Book Page	004875/000875

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	355 COLONIAL LN, ALGONAC, MI 48001-1110
Document Number	0048090488
Book / Page	004809 / 000488
Instrument Date	Mar 9, 2017
Transaction Type	Mortgage
Record Updated	Apr 20, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	355 COLONIAL LN ALGONAC MI 480011110, ALGONAC, MI 48001-1110

Mortgage

Document Number	0048090488
Date	Mar 16, 2017
Book Page	004809/000488

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2047

Interest

Rate	0.5%

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		$84,400 (+2.93%)	$168,800 (+2.93%)
2025	$3,310.00 (+2.03%) Homeowner's exemption	$82,000 (+22.94%)
2024	$3,244.00 (+84.74%)		$164,000 (+22.94%)
2023		$66,700
2022	$1,756.00		$133,400

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 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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