St. Clair County property record for 685 Townsend Ct, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,449 sqft · built 2003 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Mar 2026) |
| Tax Bill | $217 (2025) |
| Deeds & Mortgages | Oct 2024 Second Mortgage Feb 2026 Mortgage + 5 more |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-121-0022-300 |
| Primary APN | 74-01-121-0022-300 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,449 sqft Living Area |
| 1st Floor Area | 1,449 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 181 ft deep x 79 ft wide |
| Garage Area | 968 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 685 TOWNSEND CT |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | PART OF LOTS 65, 66, 67, 88, 89 & VAC TOWNSEND CRESENT EAST, BEG S 33D 35M 35S W 513.02', S 56D 24M 25S E 55.18' & S 79D 5M |
| Legal Subdivision | BROADMOOR |
| Legal Lot Number | 65-67 |
| Legal Unit | 6,80 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 649000 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1745 WISCONSIN AVE, MARYSVILLE, MI 48040-1665 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 25, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Feb 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK |
| Mar 19, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK |
| Mar 15, 2021 | Deed, Transfer |
| Aug 6, 2019 | Deed of Trust, Mortgage · VA Mortgage FIRST FED'L BK/KANSAS CITY |
| Jan 10, 2018 | Affidavit of Death, Transfer NOT AVAILABLE |
| Dec 22, 2017 | Deed of Trust, Mortgage · VA Mortgage FIRST FED'L BK/KANSAS CITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2026 · Amount on Record |
| Deed Sale | Mar 19, 2026 · Amount on Record |
| Prior Sale | Oct 31, 2016 · Amount on Record |
| Deed Document Number | 20265048 |
| Deed Book / Page | 5906 / 989 |
| Prior Transfer Date | Sep 13, 2024 |
| Prior Transfer Doc | 0005746813 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 685 TOWNSEND CT, ALGONAC, MI 48001-1658 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 685 TOWNSEND CT, ALGONAC, MI 48001-1658 |
| Document Number | 0005759437 |
|---|---|
| Date | Oct 25, 2024 |
| Book Page | 5759/437 |
| Instrument | 2024018970 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1 W ELM ST STE 450, CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 685 TOWNSEND CT, ALGONAC, MI 48001-1658 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1745 WISCONSIN AVE, MARYSVILLE, MI 48040-1665 |
| Investor | Possibly a Property Investor |
| Document Number | 0000058991 |
|---|---|
| Date | Feb 19, 2026 |
| Book Page | 5899/1 |
| Instrument | 2026003280 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Address | 41240 HAYES RD, CLINTON TOWNSHIP, MI 48038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Mar 19, 2026 |
| Property Address | 685 TOWNSEND CT, ALGONAC, MI 48001-1658 |
| Document Number | 0005906989 |
| Book / Page | 5906 / 989 |
| Map Reference | LB 56 PG 22 |
| Instrument Date | Feb 17, 2026 |
| Instrument | 2026005048 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 685 TOWNSEND CT, ALGONAC, MI 48001-1658 |
| Name | Verified Name |
|---|---|
| Address | 1745 WISCONSIN AVE, MARYSVILLE, MI 48040-1665 |
| Investor | Possibly a Property Investor |
| Document Number | 2026003280 |
|---|---|
| Date | Mar 19, 2026 |
| Instrument | 2026003280 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Mar 15, 2021 |
| Property Address | 685 TOWNSEND CT, ALGONAC, MI 48001-1658 |
| Document Number | 0005334701 |
| Book / Page | 5334 / 701 |
| Instrument Date | Feb 23, 2021 |
| Instrument | 2021007460 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 685 TOWNSEND CT, ALGONAC, MI 48001-1658 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 685 TOWNSEND CT, ALGONAC, MI 48001-1658 |
| Document Number | 0050990055 |
| Instrument Date | Aug 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2019 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 685 TOWNSEND CT ALGONAC MI 480011658, ALGONAC, MI 48001-1658 |
| Document Number | 0050990055 |
|---|---|
| Date | Sep 20, 2019 |
| Book Page | 005099/000055 |
| Name | FIRST FED'L BK/KANSAS CITY |
|---|---|
| Address | KANSAS CITY, MO 64120 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 19, 2049 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 10, 2018 |
| Property Address | 685 TOWNSEND CT, ALGONAC, MI 48001-1658 |
| Document Number | 0049060390 |
| Book / Page | 004906 / 000390 |
| Instrument Date | Dec 28, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 685 TOWNSEND CT ALGONAC MI 480011658, ALGONAC, MI 48001-1658 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 685 TOWNSEND CT, ALGONAC, MI 48001-1658 |
| Document Number | 0049060393 |
| Instrument Date | Dec 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 685 TOWNSEND CT ALGONAC MI 480011658, ALGONAC, MI 48001-1658 |
| Document Number | 0049060393 |
|---|---|
| Date | Jan 10, 2018 |
| Book Page | 004906/000393 |
| Name | FIRST FED'L BK/KANSAS CITY |
|---|---|
| Address | KANSAS CITY, MO 64120 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 9, 2048 |
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Algonac City |
| County | St. Clair County |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $140,400 (+1.81%) | $280,800 (+1.81%) | |
| 2025 | $217.00 (+3.33%) Homeowner's exemption | $137,900 | |
| 2024 | $210.00 (+21.39%) | $275,800 | |
| 2022 | $173.00 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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