538 State St, Algonac, MI 48001 Property Records

St. Clair County property record for 538 State St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,026 sqft
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$109,000 (Nov 2017)
Tax Bill	$1,558 (2025)
Deeds & Mortgages	Nov 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-01-111-0078-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-111-0078-000`

Interior

Full Baths	1 Bath
Building Area	1,026 sqft Living Area
1st Floor Area	1,026 sqft

Exterior

Architectural Style	Bi-Level
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Area	1,152 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	538 STATE ST
City	ALGONAC
State	MI
Zip	48001-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOTS 179 & 180 ALGONAC ASSESSORS PLAT NO 1 SEC 10 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	10
Legal Subdivision	ASSESSORS
Legal Lot Number	179-180
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	4
Census Block	4017
Census Tract	649000

Owner

Source: St. Clair County records, as of December 23, 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 Record
Mailing Address	538 STATE ST, ALGONAC, MI 48001-1618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2017 · Amount on Record
Deed Sale	Nov 21, 2017 · Amount on Record
Prior Sale	Oct 21, 2009 · Amount on Record
Deed Document Number	201727795
Prior Transfer Date	Jul 14, 2009
Prior Transfer Doc	003993/167
Record Updated	Jun 8, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 21, 2017
Property Address	538 STATE ST, ALGONAC, MI 48001-1618
Document Number	0048930088
Book / Page	004893 / 000088
Instrument Date	Nov 6, 2017
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ASK SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$937.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2116 MICHIGAN ST ALGONAC MI 480011195, ALGONAC, MI 48001-1195

Mortgage

Document Number	48930090
Date	Nov 21, 2017
Book Page	004893/000090

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2047

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,558.00 (-38%) Homeowner's exemption	$89,200 (+15.25%)
2024	$2,513.00 (+12.34%)		$178,400 (+15.25%)
2023		$77,400
2022	$2,237.00		$154,800

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

Flood

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 Record median of 97 policies
Nearby Flood Policies	97 in force
Nearby Flood Claims	15 (1985–2019)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Aug 2019 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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