378 Center St, Algonac, MI 48001 Property Records

St. Clair County property record for 378 Center St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 2010
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$106,000 (Sep 2017)
Tax Bill	$217 (2025)
Deeds & Mortgages	Jun 2026 Transfer Sep 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`74-01-145-0041-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-145-0041-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Ranch
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	378 CENTER ST
City	ALGONAC
State	MI
Zip	48001-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 47 KENDALL FARM SUBDIVISON ACCORDING TO THE PLAT RECORDED IN LIBER 17 OF PLATS PG 162 ST CLAIR COUNTY REGISTER OF DEEDS
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	KENDALL FARM
Legal Lot Number	47
Legal Unit	47
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1014
Census Tract	649000

Owner

Source: St. Clair County records, as of September 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	378 CENTER ST, ALGONAC, MI 48001-1108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 30, 2019	Deed of Trust, Mortgage · VA Mortgage TCF NATIONAL BANK
Sep 26, 2017	Warranty Deed, Transfer · VA Mortgage UNION HM MTG
May 19, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2017 · Amount on Record
Deed Sale	Sep 26, 2017 · Amount on Record
Prior Sale	Jun 10, 2015 · Amount on Record
Deed Document Number	201722914
Prior Transfer Date	Jan 17, 2015
Prior Transfer Doc	004578/886
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 23, 2026
Property Address	378 CENTER ST, ALGONAC, MI 48001-1108
Document Number	0000012683
Book / Page	5936 / 535
Instrument Date	Jun 9, 2026
Instrument	202612683
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	378 CENTER ST, ALGONAC, MI 48001-1108

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	378 CENTER ST, ALGONAC, MI 48001-1108
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FRANKLIN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051020372
Date	Sep 30, 2019
Book Page	5102/372
Instrument	2019020179

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2034

Interest

Rate Type	Fixed Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 26, 2017
Property Address	378 CENTER ST, ALGONAC, MI 48001-1108
Document Number	0048730056
Book / Page	004873 / 000056
Instrument Date	Sep 7, 2017
Transaction Type	Transfer
Record Updated	Oct 31, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$911.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4259 TAFT RD CLAY MI 480014668, CLAY, MI 48001-4668

Mortgage

Document Number	48720653
Date	Sep 26, 2017
Book Page	004872/000653

Lender

Name	UNION HM MTG
Type	Mortgage Company
Address	CLEVELAND, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2047

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	378 CENTER ST, ALGONAC, MI 48001-1108
Document Number	0048350950
Book / Page	004835 / 000950
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Jul 13, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	378 CENTER ST ALGONAC MI 480011108, ALGONAC, MI 48001-1108

Mortgage

Document Number	0048350950
Date	Jun 1, 2017
Book Page	004835/000950

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 31, 2042

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		$98,200 (+4.25%)	$196,400 (+4.25%)
2025	$217.00 (+3.33%) Homeowner's exemption	$94,200 (+23.14%)
2024	$210.00 (+21.39%)		$188,400 (+23.14%)
2023		$76,500
2022	$173.00		$153,000

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 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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