409 Virginia Ln, Algonac, MI 48001 Property Records

St. Clair County property record for 409 Virginia Ln, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 700 sqft · built 1965
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (May 2018)
Tax Bill	$1,839 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2022 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`74-01-151-0022-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-151-0022-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	700 sqft Living Area
1st Floor Area	700 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	119 ft deep x 45 ft wide
Garage Area	1,296 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 VIRGINIA LN
City	ALGONAC
State	MI
Zip	48001-1151
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 31 LOCUST POINT SEC 02 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	VILLAGE OF ALGONAC
Legal Lot Number	31
Legal Unit	31
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1010
Census Tract	649000

Owner

409 Virginia Ln is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	409 VIRGINIA LN, ALGONAC, MI 48001-1151
Occupancy	Owner Occupied
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
Apr 1, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Oct 24, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jan 20, 2021	Loan Modification, Mortgage · FHA Mortgage MR COOPER
May 4, 2018	Deed, Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC
Jun 6, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 6, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2018 · Amount on File
Deed Sale	May 4, 2018 · Amount on File
Deed Document Number	201810389
Deed Book / Page	4941 / 694
Prior Transfer Date	Apr 26, 2017
Prior Transfer Doc	004837/552
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	409 VIRGINIA LN, ALGONAC, MI 48001-1151
Transaction Type	Mortgage
Record Updated	Apr 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 VIRGINIA LN, ALGONAC, MI 48001-1151

Mortgage

Document Number	0005701623
Date	Apr 1, 2024
Book Page	5701/623
Instrument	2024005169

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	999 TECH ROW STE 200, MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	321 Months
Due	Jan 1, 2051

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	409 VIRGINIA LN, ALGONAC, MI 48001-1151
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 VIRGINIA LN, ALGONAC, MI 48001-1151

Mortgage

Document Number	0005572678
Date	Oct 24, 2022
Book Page	5572/678
Instrument	2022024154

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	339 Months
Due	Jan 1, 2051

January 2021: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAINT CLAIR MI
Property Address	409 VIRGINIA LN, ALGONAC, MI 48001-1151
Document Number	0053090241
Instrument Date	Jan 20, 2021
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 VIRGINIA LN ALGONAC MI 480011151, ALGONAC, MI 48001-1151

Mortgage

Document Number	0053090241
Date	Jan 27, 2021
Book Page	005309/000241

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2051

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 4, 2018
Property Address	409 VIRGINIA LN, ALGONAC, MI 48001-1151
Document Number	0004941694
Book / Page	4941 / 694
Map Reference	LB48 PG46
Instrument Date	Apr 10, 2018
Instrument	2018010389
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,092.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37535 PEGGY LN, RICHMOND, MI 48062-4941

Mortgage

Document Number	2018010390
Date	May 4, 2018
Instrument	2018010390

Lender

Name	PACIFIC UNION FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 6, 2017
Property Address	409 VIRGINIA LN, ALGONAC, MI 48001-1151
Document Number	0048370553
Book / Page	004837 / 000553
Instrument Date	May 1, 2017
Transaction Type	Transfer
Record Updated	Jul 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	10802 FRED MOORE HWY ST CLAIR MI 48079, ST CLAIR, MI 48079

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 6, 2017
Property Address	409 VIRGINIA LN, ALGONAC, MI 48001-1151
Document Number	004837/552
Book / Page	4837 / 552
Instrument Date	Apr 26, 2017
Instrument	2017014618
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 VIRGINIA LN, 409, ALGONAC, MI 48001-1151

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 VIRGINIA LN, ALGONAC, MI 48001-1151

Tax Assessment & Valuation

The 2025 property tax bill for 409 Virginia Ln was $1,839 with a homeowner's exemption, up 2.1% from the year before.

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		$63,800 (+2.08%)	$127,600
2025	$1,839.00 (+2.05%) Homeowner's exemption	$62,500
2024	$1,802.00		$125,000
2023		$49,800
2022	$1,604.00		$99,600

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 409 Virginia Ln 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 409 Virginia Ln 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 Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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