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491 Sunset St, Algonac, MI 48001 Property Records

St. Clair County property record for 491 Sunset St, Algonac, MI 48001 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,568 sqft
Lot Size0.14 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$105,000 (Jan 2018)
Tax Bill$1,536 (2025)
Deeds & MortgagesApr 2023 Line of Credit
Jan 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN74-01-123-0047-050

Property Details

APN / Parcel Number

Primary APN74-01-123-0047-050

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,568 sqft Living Area
1st Floor Area1,316 sqft

Exterior

Lot Area6,098 sqft (0.14 acres)
Lot Dimensions120 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating SystemHot Water

Location & Zoning

Street Address491 SUNSET ST
CityALGONAC
StateMI
Zip48001-1038
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 54 BUNGALOW GARDENS SEC 03 T2N R16E
Legal Range16E
Legal Township02N
Legal Section03
Legal SubdivisionBUNGALOW GARDENS SUBDIVISION
Legal Lot Number54
Legal Unit54
JurisdictionSAINT CLAIR MI
Township / Civil DivisionALGONAC
Census Block Group1
Census Block1012
Census Tract649000

Owner

Source: St. Clair County records · APN 74-01-123-0047-050

Assessment roll updated October 7, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address491 SUNSET ST, ALGONAC, MI 48001-1038
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 19, 2023Deed of Trust, Mortgage · Line of Credit
MICHIGAN SCHOOLS & GOVERNMENT CU
Jan 11, 2018Warranty Deed, Transfer
MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 11, 2018 · Amount on Record
Deed SaleJan 11, 2018 · Amount on Record
Prior SaleJul 23, 2012 · Amount on Record
Deed Document Number2018745
Prior Transfer DateApr 12, 2016
Prior Transfer Doc004703/608
Record UpdatedSep 20, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAINT CLAIR MI
Property Address491 SUNSET ST, ALGONAC, MI 48001-1038
Transaction TypeMortgage
Record UpdatedMay 22, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address491 SUNSET ST, ALGONAC, MI 48001-1038

Mortgage

Document Number0005614767
DateApr 19, 2023
Book Page5614/767
Instrument2023007133
Lender
NameMICHIGAN SCHOOLS & GOVERNMENT CU
TypeCredit Union
AddressTROY, MI 48098
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueApr 18, 2048
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAINT CLAIR MI
Recording DateJan 11, 2018
Property Address491 SUNSET ST, ALGONAC, MI 48001-1038
Document Number0049060460
Book / Page004906 / 000460
Instrument DateDec 18, 2017
Transaction TypeTransfer
Record UpdatedJan 31, 2018
Title CompanyATA NATIONAL TITLE GROUP LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$903.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address104 EDGEWATER DR ALGONAC MI 480011629, ALGONAC, MI 48001-1629

Mortgage

Document Number49060462
DateJan 11, 2018
Book Page004906/000462
Lender
NameMORTGAGE 1 AT SUBURBAN
TypeMortgage Company
AddressSTERLING HEIGHTS, MI 48314
Agreement
AmountAmount Recorded
Term360 Months
DueJan 10, 2048

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateMichigan
MunicipalityAlgonac City
CountySt. Clair County
Unified School DistrictAlgonac Community School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,536.00 (-37.96%) Homeowner's exemption$96,100 (+22.42%)
2024$2,476.00 (+12.39%)$192,200 (+22.42%)
2023$78,500
2022$2,203.00$157,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), updated July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476490001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 76 individual NFIP policies nearby
Nearby Flood Policies76 in force
Nearby Flood Claims85 (1980–2021)
Claims Outside the SFHA44 of 85
Most Recent ClaimFeb 2021, river or lake flooding

Wildfire

Wildfire RiskLow
above 20% of the US · above 52% of Michigan
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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, availability as of December 31, 2025 · Published October 2026 · based on 222 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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