815 Townsend Cres W, Algonac, MI 48001 Property Records

St. Clair County property record for 815 Townsend Cres W, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,888 sqft · built 1978
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$219,900 (Feb 2021)
Tax Bill	$4,461 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-01-121-0006-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-121-0006-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,888 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	170 ft deep x 57.7 ft wide
Garage Area	1,152 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	815 TOWNSEND CRES W
City	ALGONAC
State	MI
Zip	48001-1621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	THAT PART OF LOT 10 LYING NE OF A LINE, BEG S 34D 5M 17S W 50' FROM ITS N COR TH S 56D 21M 15S E 122.25' & S 31D 17M 50 S E
Legal Subdivision	BROADMOOR SUBD
Legal Lot Number	11B
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	4
Census Block	4017
Census Tract	649000

Owner

815 Townsend Cres W is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	815 TOWNSEND CRES W, ALGONAC, MI 48001-1621
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Land Contract, Transfer · Land Contract NOT AVAILABLE
Aug 29, 2018	Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2021 · Amount on File
Deed Sale	Feb 8, 2021 · Amount on File
Prior Sale	Aug 29, 2018 · Amount on File
Deed Document Number	20213755
Deed Book / Page	5315 / 697
Record Updated	Oct 29, 2026

February 2021: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 8, 2021
Property Address	815 TOWNSEND CRES W, ALGONAC, MI 48001-1621
Document Number	0005315697
Book / Page	5315 / 697
Instrument Date	Jul 22, 2020
Instrument	2021003755
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9499 PHELPS RD, 9499, CLAY, MI 48001-4350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 TOWNSEND CRES W, ALGONAC, MI 48001-1621

Mortgage

Date	Feb 8, 2021

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount on Record
Term	55 Months
Due	Sep 1, 2025

Interest

Rate	6%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 29, 2018
Property Address	815 TOWNSEND CRES W, ALGONAC, MI 48001-1621
Document Number	0000498321
Book / Page	4983 / 21
Map Reference	LB 56 PG 22-23
Instrument Date	Jun 26, 2018
Instrument	2018019504
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 TOWNSEND CRES W, ALGONAC, MI 48001-1621

Mortgage

Document Number	2018019505
Date	Aug 29, 2018
Instrument	2018019505

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 815 Townsend Cres W was $4,461 with a homeowner's exemption, up 2% from the year before.

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		$127,100 (+0.79%)	$254,200
2025	$4,461.00 (+2.01%) Homeowner's exemption	$126,100
2024	$4,373.00		$252,200
2023		$112,000
2022	$3,903.00		$224,000

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

Flood

FEMA maps place 815 Townsend Cres W in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 815 Townsend Cres W is low, with a 0.01% annual chance of wildfire.

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

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 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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