364 Colonial Ln, Algonac, MI 48001 Property Records

St. Clair County property record for 364 Colonial Ln, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,517 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Jun 2012)
Tax Bill	$2,361 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2025 Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-01-131-0035-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-131-0035-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,517 sqft Living Area
1st Floor Area	1,517 sqft

Exterior

Architectural Style	Ranch
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	114 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	364 COLONIAL LN
City	ALGONAC
State	MI
Zip	48001-1111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 586 SUPV ROY T GILBERTS PLAT NO 5 SEC 02 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	SUPRVRS ROY T GILBERTS 5-ALGON
Legal Lot Number	586
Legal Unit	586
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1015
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	364 COLONIAL LN, ALGONAC, MI 48001-1111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK EASTERN MICHIGAN
Oct 6, 2025	Deed of Trust, Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2012 · Amount on Record
Deed Sale	Jun 4, 2012 · Amount on Record
Deed Book / Page	4262 / 74
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	364 COLONIAL LN, ALGONAC, MI 48001-1111
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	364 COLONIAL LN, ALGONAC, MI 48001-1111

Mortgage

Document Number	0005857944
Date	Oct 6, 2025
Book Page	5857/944
Instrument	2025018921

Lender

Name	FIFTH THIRD BANK EASTERN MICHIGAN
Type	Bank
Address	1850 E PARIS AVE SE, GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	364 COLONIAL LN, ALGONAC, MI 48001-1111
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	364 COLONIAL LN, ALGONAC, MI 48001-1111

Mortgage

Document Number	0005857928
Date	Oct 6, 2025
Book Page	5857/928
Instrument	2025018920

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	1850 E PARIS AVE SE, GRAND RAPIDS, MI 49546

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

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		$102,700 (+3.32%)	$205,400 (+3.32%)
2025	$2,361.00 (+2.03%) Homeowner's exemption	$99,400 (+21.96%)
2024	$2,314.00 (+12.17%)		$198,800 (+21.96%)
2023		$81,500
2022	$2,063.00		$163,000

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	Direct burnable vegetation

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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