381 Center St, Algonac, MI 48001 Property Records

St. Clair County property record for 381 Center St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,310 sqft · built 1900
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Oct 2008)
Tax Bill	$2,380 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2018 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`74-01-145-0040-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-145-0040-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,310 sqft Living Area
1st Floor Area	1,155 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	137 ft deep x 100 ft wide
Garage Area	3,156 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	381 CENTER ST
City	ALGONAC
State	MI
Zip	48001-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOTS 45 & 46 KENDALL FARM SUBDIVISON ACCORDING TO THE PLAT RECORDED IN LIBER 17 OF PLATS PG 162 ST CLAIR COUNTY REGISTER OF
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	KENDALL FARM
Legal Lot Number	45-46
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1017
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	Individual Name on File
Mailing Address	381 CENTER ST, ALGONAC, MI 48001-1107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Aug 9, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/ESTN MI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2008 · Amount on File
Deed Sale	Oct 31, 2008 · Amount on File
Deed Document Number	200825230
Deed Book / Page	3889 / 345
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	381 CENTER ST, ALGONAC, MI 48001-1107
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 CENTER ST, ALGONAC, MI 48001-1107

Mortgage

Document Number	0000535636
Date	Apr 22, 2021
Book Page	5356/36
Instrument	2021012624

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2031

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	381 CENTER ST, ALGONAC, MI 48001-1107
Document Number	0049840831
Instrument Date	Aug 9, 2018
Transaction Type	Mortgage
Record Updated	Sep 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	381 CENTER ST ALGONAC MI 480011107, ALGONAC, MI 48001-1107

Mortgage

Document Number	0049840831
Date	Sep 5, 2018
Book Page	004984/000831

Lender

Name	FIFTH THIRD BK/ESTN MI
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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		$103,300 (+3.82%)	$206,600 (+3.82%)
2025	$2,380.00 (+2.06%) Homeowner's exemption	$99,500 (+26.59%)
2024	$2,332.00 (+12.39%)		$199,000 (+26.59%)
2023		$78,600
2022	$2,075.00		$157,200

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 File 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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