4577 Pointe Tremble Rd, Algonac, MI 48001 Property Records

St. Clair County property record for 4577 Pointe Tremble Rd, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,970 sqft · built 1992
Lot Size	0.435 acres (18,992 sqft)
Owner	Individual Name on File
Last Sale	$715,000 (Nov 2022)
Tax Bill	$10,102 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-14-361-0012-050`

Property Details

APN / Parcel Number

Primary APN	`74-14-361-0012-050`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,970 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Lot Area	18,992 sqft (0.435 acres)
Lot Dimensions	380 ft deep x 50 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	74143610012050
Street Address	4577 POINTE TREMBLE RD
City	ALGONAC
State	MI
Zip	48001-4353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 15 RANDOLPHS BEACH
Legal Subdivision	RANDOLPHS
Legal Lot Number	15
Legal Unit	15
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2002
Census Tract	647000

Owner

Source: St. Clair County records · APN 74-14-361-0012-050

Assessment roll updated March 1, 2025 · Last verified October 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 File
Co-owner	Verified Secondary Owner
Mailing Address	4577 POINTE TREMBLE RD, ALGONAC, MI 48001-4353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Deed Document Number	2022026142
Deed Book / Page	5580 / 687
Record Updated	Jun 08, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 23, 2022
Property Address	4577 POINTE TREMBLE RD, ALGONAC, MI 48001-4353
Document Number	0005580687
Book / Page	5580 / 687
Map Reference	LB 20 PG 192
Instrument Date	Oct 28, 2022
Instrument	2022026142
Transaction Type	Transfer
Record Updated	Dec 08, 2022
Title Company	JB TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,362.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4441 POINTE TREMBLE RD, 4441, CLAY, MI 48001-4661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 TARGHEE RIDGE DR, DRIGGS, ID 83422-5298

Mortgage

Document Number	0005575666
Date	Nov 03, 2022
Book Page	5575/666
Instrument	2022024831

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Nov 01, 2027
Change Frequency	6 Months
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	Other
Margin	3
Max Rate	10.1%

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated March 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Clay Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$337,600 (+17.02%)
2024	$10,102.00 (+10.99%)		$675,200 (+17.02%)
2023		$288,500
2022	$9,102.00		$577,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 20, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 143 policies
Nearby Flood Policies	143 in force
Nearby Flood Claims	77 (1985–2024)
Claims Outside the SFHA	56 of 77
Most Recent Claim	Jan 2024

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 200 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CLAY TOWNSHIP serves 9,866 people
Water Source	Purchased surface water from CITY OF ALGONAC
Last State Inspection	May 2021
Lead	3 ppb (2021–2023) 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.