480 Center St, Algonac, MI 48001 Property Records

St. Clair County property record for 480 Center St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,008 sqft · built 1989
Lot Size	0.143 acres (6,229 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jul 2022)
Tax Bill	$3,748 (2025)
Deeds & Mortgages	Jul 2022 Sale Apr 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`74-14-316-0023-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-316-0023-000`

Interior

Full Baths	2 Baths
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	480 CENTER ST
City	ALGONAC
State	MI
Zip	48001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 26 OAK GROVE SUBD OF A PART OF PC 200
Legal Subdivision	OAK GROVE SUBD
Legal Lot Number	26
Legal Unit	26
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1002
Census Tract	649000

Owner

480 Center St is owned by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	8103 SE CARLTON ST, HOBE SOUND, FL 33455-4003
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
Jul 25, 2022	Warranty Deed, Transfer ATA NATIONAL TITLE
Apr 11, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2022 · Amount on File
Deed Sale	Jul 25, 2022 · Amount on File
Prior Sale	May 28, 2009 · Amount on File
Deed Document Number	202217612
Deed Book / Page	5545 / 320
Prior Transfer Date	Apr 11, 2022
Prior Transfer Doc	0005509541
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 25, 2022
Property Address	480 CENTER ST, ALGONAC, MI 48001
Document Number	0005545320
Book / Page	5545 / 320
Map Reference	LB 18 PG 180
Instrument Date	Jul 6, 2022
Instrument	2022017612
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	350 N PARKWAY DR, 350, CLAY, MI 48001-4520

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8103 SE CARLTON ST, HOBE SOUND, FL 33455-4003

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 11, 2022
Property Address	480 CENTER ST, ALGONAC, MI 48001
Document Number	0005509541
Book / Page	5509 / 541
Map Reference	LB 18 PG 180
Instrument Date	Apr 11, 2022
Instrument	2022009350
Transaction Type	Transfer
Record Updated	Apr 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 CENTER ST, ALGONAC, MI 48001

Tax Assessment & Valuation

The 2025 property tax bill for 480 Center St was $3,748, up 2.5% from the year before.

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,200 (+1.78%)	$160,400
2025	$3,748.00 (+2.52%)	$78,800
2024	$3,656.00		$157,600
2023		$65,100
2022	$2,098.00		$130,200

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 480 Center St 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 480 Center St is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Center St

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