361 Colonial Ln, Algonac, MI 48001 Property Records

St. Clair County property record for 361 Colonial Ln, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,341 sqft
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (May 2017)
Tax Bill	$3,411 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-01-131-0029-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-131-0029-000`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,341 sqft Living Area
1st Floor Area	1,421 sqft

Exterior

Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	119 ft deep x 75 ft wide
Garage Area	924 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	361 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 580 SUPERVISOR ROY T GILBERT'S PLAT NO. 5
Legal Subdivision	SUPERVISORS ROY T GILBERTS PLAT #5
Legal Lot Number	580
Legal Unit	580
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	361 COLONIAL LN, ALGONAC, MI 48001-1110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2021	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK
May 30, 2017	Warranty Deed, Transfer · Conventional Mortgage ROSS MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2017 · Amount on Record
Deed Sale	May 30, 2017 · Amount on Record
Deed Document Number	201714094
Deed Book / Page	4835 / 407
Prior Transfer Date	Jan 19, 2006
Prior Transfer Doc	003499/191
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	361 COLONIAL LN, ALGONAC, MI 48001-1110
Transaction Type	Mortgage
Record Updated	Aug 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	361 COLONIAL LN, ALGONAC, MI 48001-1110

Mortgage

Document Number	5397922
Date	Jul 23, 2021
Book Page	5397/922
Instrument	2021021347

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Amount	Amount Recorded

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 30, 2017
Property Address	361 COLONIAL LN, ALGONAC, MI 48001-1110
Document Number	004835/407
Book / Page	4835 / 407
Instrument Date	May 18, 2017
Instrument	2017014094
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048350409
Date	May 30, 2017
Book Page	4835/409
Instrument	2017014095

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$130,900 (+4.89%)	$261,800 (+4.89%)
2025	$3,411.00 (+2.03%) Homeowner's exemption	$124,800 (+20.81%)
2024	$3,343.00 (+12.18%)		$249,600 (+20.81%)
2023		$103,300
2022	$2,980.00		$206,600

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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