375 Colonial Ln, Algonac, MI 48001 Property Records

St. Clair County property record for 375 Colonial Ln, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,617 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Feb 2018)
Tax Bill	$2,828 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-01-131-0032-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-131-0032-000`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,617 sqft Living Area

Exterior

Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	86.4 ft deep x 102 ft wide
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	74011310032000
Street Address	375 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 583 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	583
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 October 6, 2025

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	375 COLONIAL LN, ALGONAC, MI 48001-1110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 5, 2018	Warranty Deed, Transfer · Conventional with PMI CHERRY CREEK MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2018 · Amount on Record
Deed Sale	Feb 5, 2018 · Amount on Record
Deed Document Number	2018002697
Deed Book / Page	004914 / 000629
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	375 COLONIAL LN, ALGONAC, MI 48001-1110
Transaction Type	Mortgage
Record Updated	Apr 29, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	375 COONIAL LN, ALGONAC, MI 48001-1110

Mortgage

Document Number	5350138
Date	Apr 12, 2021
Book Page	5350/138
Instrument	2021011340

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 5, 2018
Property Address	375 COLONIAL LN, ALGONAC, MI 48001-1110
Document Number	0049140629
Book / Page	004914 / 000629
Instrument Date	Jan 26, 2018
Transaction Type	Transfer
Record Updated	Mar 1, 2018
Title Company	FIRST PREMIER TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,462.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24940 GROVE AVE EASTPOINTE MI 480211072, EASTPOINTE, MI 48021-1072

Mortgage

Document Number	49140631
Date	Feb 5, 2018
Book Page	004914/000631

Lender

Name	CHERRY CREEK MTG
Type	Mortgage Company
Address	GREENWOOD VILLAGE, CO 80111

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2048

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 2025

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
2025		$102,800 (+23.56%)
2024	$2,828.00 (+12.27%)		$205,600 (+23.56%)
2023		$83,200
2022	$2,519.00		$166,400

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 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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