541 Edward St, Algonac, MI 48001 Property Records

St. Clair County property record for 541 Edward St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1970
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$72,500 (May 2019)
Tax Bill	$1,860 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-119-0104-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-119-0104-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	541 EDWARD ST
City	ALGONAC
State	MI
Zip	48001-1221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 116 ASSESSORS WORFOLK PLAT AS RECORDED IN LIBER 56 OF PLATS PG 34 ST CLAIR COUNTY REGISTER OF DEEDS
Legal Range	16E
Legal Township	WP
Legal Section	10
Legal Subdivision	ASSESSORS
Legal Lot Number	116
Legal Unit	116
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3013
Census Tract	649000

Owner

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

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	541 EDWARD ST, ALGONAC, MI 48001-1221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP
May 6, 2019	Deed, Transfer · FHA Mortgage BM REAL ESTATE SERVICES INC
Dec 4, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2019 · Amount on Record
Deed Sale	May 6, 2019 · Amount on Record
Prior Sale	Dec 4, 2018 · Amount on Record
Deed Document Number	20199248
Deed Book / Page	5053 / 350
Prior Transfer Date	Nov 29, 2018
Prior Transfer Doc	0000501338
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	541 EDWARD ST, ALGONAC, MI 48001-1221
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 EDWARD ST, ALGONAC, MI 48001-1221

Mortgage

Document Number	0005414390
Date	Aug 30, 2021
Book Page	5414/390
Instrument	2021024805

Lender

Name	HALL FINANCIAL GROUP
Type	Non-Lending Institution
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 6, 2019
Property Address	541 EDWARD ST, ALGONAC, MI 48001-1221
Document Number	0005053350
Book / Page	5053 / 350
Map Reference	BK 56 PG 34
Instrument Date	Apr 18, 2019
Instrument	2019009248
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 FRUIT ST APT 105, 105, ALGONAC, MI 48001-4689

Mortgage

Document Number	0005053352
Date	May 6, 2019
Book Page	5053/352
Instrument	2019009249

Lender

Name	BM REAL ESTATE SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate

December 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 4, 2018
Property Address	541 EDWARD ST, ALGONAC, MI 48001-1221
Document Number	0050130038
Book / Page	005013 / 000038
Instrument Date	Nov 29, 2018
Transaction Type	Foreclosure
Record Updated	Dec 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$543.53
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

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
2026		$66,800 (+3.25%)	$133,600 (+3.25%)
2025	$1,860.00 (+2.14%) Homeowner's exemption	$64,700 (+22.31%)
2024	$1,821.00 (+12.62%)		$129,400 (+22.31%)
2023		$52,900
2022	$1,617.00		$105,800

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 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Aug 2000 · rainfall accumulation

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	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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 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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