518 Mill St, Algonac, MI 48001 Property Records

St. Clair County property record for 518 Mill St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,016 sqft
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$10,000 (Jan 1988)
Tax Bill	$3,359 (2024)
Deeds & Mortgages	Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-01-129-0015-100`

Property Details

APN / Parcel Number

Primary APN	`74-01-129-0015-100`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,016 sqft Living Area

Exterior

Lot Area	22,216 sqft (0.51 acres)
Lot Dimensions	202 ft deep x 109 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	74011290015100
Street Address	518 MILL ST
City	ALGONAC
State	MI
Zip	48001-1330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	BEG AT SW'LY COR OF LOT 461, TH N 20D 21M 30S E 181', TH S 57 D 53M 23S E 138.07', TH S 29D 28M 24S W 180' TH N 56D 30M W
Legal Subdivision	SUPRVRS ROY T GILBERTS 4-ALGON
Legal Lot Number	461
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1025
Census Tract	649000

Owner

Source: St. Clair County records · APN 74-01-129-0015-100

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	2 Individual Names on File
Mailing Address	518 MILL ST, ALGONAC, MI 48001-1330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 14, 1988 · Amount on Record
Deed Sale	Jan 14, 1988 · Amount on Record
Deed Document Number	0001197255
Record Updated	Jun 07, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	518 MILL ST, ALGONAC, MI 48001-1330
Document Number	0050970891
Instrument Date	Aug 31, 2019
Transaction Type	Mortgage
Record Updated	Oct 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	518 MILL ST ALGONAC MI 480011330, ALGONAC, MI 48001-1330

Mortgage

Document Number	0050970891
Date	Sep 17, 2019
Book Page	005097/000891

Lender

Name	MICHIGAN SCHOOLS & GOV'T CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 16, 2029

Tax Assessment & Valuation

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

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$152,400 (+20.57%)
2024	$3,359.00 (+12.15%)		$304,800 (+20.57%)
2023		$126,400
2022	$2,995.00		$252,800

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	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	2,000 / 250

May also be available: AT&T, Verizon.

Based on FCC filings for 257 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MI0000110, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF ALGONAC serves 4,110 people
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 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.