358 North Ave, Algonac, MI 48001 Property Records

St. Clair County property record for 358 North Ave, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,465 sqft
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Jan 2018)
Tax Bill	$2,909 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-01-131-0007-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-131-0007-000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,465 sqft Living Area
1st Floor Area	1,465 sqft

Exterior

Architectural Style	Ranch
Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	200 ft deep x 150 ft wide
Garage Area	884 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	358 NORTH AVE
City	ALGONAC
State	MI
Zip	48001-1129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOTS 557, 558 & 559 SUPV ROY T GILBERTS PLAT NO 5 SEC 02 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	SUPERVISOR ROY T GILBERTS PLAT #5
Legal Lot Number	557-559
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	358 NORTH AVE, ALGONAC, MI 48001-1129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 26, 2018	Warranty Deed, Transfer · FHA Mortgage ENVOY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2018 · Amount on Record
Deed Sale	Jan 26, 2018 · Amount on Record
Prior Sale	Nov 10, 2014 · Amount on Record
Deed Document Number	20181917
Prior Transfer Date	Jul 5, 2012
Prior Transfer Doc	004276/001
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	358 NORTH AVE, ALGONAC, MI 48001-1129
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	358 NORTH AVE, ALGONAC, MI 48001-1129

Mortgage

Document Number	5413454
Date	Aug 26, 2021
Book Page	5413/454
Instrument	2021024608

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 26, 2018
Property Address	358 NORTH AVE, ALGONAC, MI 48001-1129
Document Number	0049110171
Book / Page	004911 / 000171
Instrument Date	Jan 8, 2018
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	BELL TITLE AGENCY/CHESTERFIELD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	358 NORTH AVE ALGONAC MI 480011129, ALGONAC, MI 48001-1129

Mortgage

Document Number	49110173
Date	Jan 26, 2018
Book Page	004911/000173

Lender

Name	ENVOY MTG
Type	Mortgage Company
Address	HOUSTON, TX 77056

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2048

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		$106,000 (+3.82%)	$212,000 (+3.82%)
2025	$2,909.00 (+2.03%) Homeowner's exemption	$102,100 (+23.91%)
2024	$2,851.00 (+12.29%)		$204,200 (+23.91%)
2023		$82,400
2022	$2,539.00		$164,800

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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