395 Virginia Ave, Algonac, MI 48001 Property Records

St. Clair County property record for 395 Virginia Ave, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 772 sqft · built 1937
Lot Size	0.069 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Jan 2024)
Tax Bill	$1,179 (2022)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Dec 2022 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-131-0062-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-131-0062-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	772 sqft Living Area

Exterior

Year Built	Built 1937
Architectural Style	Ranch
Lot Area	3,049 sqft (0.069 acres)
Lot Dimensions	77.4 ft deep x 40 ft wide

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Account Number	74011310062000
Street Address	395 VIRGINIA AVE
City	ALGONAC
State	MI
Zip	48001-1149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	SELY 11' OF LOT 624 & LOT 625 EXC SELY 11' 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	624-625
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1010
Census Tract	649000

Owner

395 Virginia Ave is owned by an individual who bought it in January 2024.

Source: St. Clair County records, as of March 19, 2024

Owner of Record	Individual Name on File
Mailing Address	1410 NAUTICAL LN, COTTRELLVILLE, MI 48039-3310
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Warranty Deed, Transfer · VA Mortgage UNION HOME MORTGAGE CORP
Dec 12, 2022	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC
Jun 1, 2021	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2024 · Amount on File
Deed Sale	Jan 26, 2024 · Amount on File
Prior Sale	Dec 12, 2022 · Amount on File
Deed Document Number	2024001570
Deed Book / Page	5686 / 670
Record Updated	Jun 7, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 26, 2024
Property Address	395 VIRGINIA AVE, ALGONAC, MI 48001-1149
Document Number	0005686670
Book / Page	5686 / 670
Map Reference	LB 49 PG 3
Instrument Date	Dec 5, 2023
Instrument	2024001570
Transaction Type	Transfer
Record Updated	Mar 20, 2024
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	37411 LAKEVILLE ST, HARRISON TWP, MI 48045-2878

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 NAUTICAL LN, COTTRELLVILLE, MI 48039-3310

Mortgage

Document Number	0005684295
Date	Jan 17, 2024
Book Page	5684/295
Instrument	2024000956

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 12, 2022
Property Address	395 VIRGINIA AVE, ALGONAC, MI 48001-1149
Document Number	0005584925
Book / Page	5584 / 925
Map Reference	LB 49 PG 3
Instrument Date	Nov 21, 2022
Instrument	2022027144
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10835 E LINWOOD DR, LA PORTE, TX 77571-4373

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37411 LAKEVILLE ST, HARRISON TOWNSHIP, MI 48045-2878

June 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 1, 2021
Property Address	395 VIRGINIA AVE, ALGONAC, MI 48001-1149
Document Number	5373231
Book / Page	5373 / 231
Instrument Date	Jun 15, 2020
Instrument	2021016324
Transaction Type	Transfer
Record Updated	Jun 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10835 E LINWOOD DR, LA PORTE, TX 77571-4373

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 2023

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
2023		$40,100
2022	$1,179.00		$80,200

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

FEMA maps place 395 Virginia Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

Wildfire risk around 395 Virginia Ave is low, with less than a 0.01% annual chance of 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

Nearby Properties on Virginia Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures