St. Clair County property record for 835 Ruskin Dr, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,448 sqft · built 1989 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,066 (2025) |
| Deeds & Mortgages | Sep 2026 Transfer Aug 2026 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-127-0029-000 |
| Primary APN | 74-01-127-0029-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,448 sqft Living Area |
| 1st Floor Area | 992 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Area | 1,104 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 835 RUSKIN DR |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 295 & E 1/2 OF LOT 296 SUPERVISOR ROY T GILBERT'S PLAT NO. 2 |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 2-ALGON |
| Legal Lot Number | 295-296 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 4 |
| Census Block | 4025 |
| Census Tract | 649000 |
Source: St. Clair County records, as of September 21, 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 | 835 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Sep 8, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Aug 11, 2026 | Deed of Trust, Mortgage · Line of Credit NORTHSTAR BANK |
| Jan 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 2, 2026 |
| Transfer Doc | 0000018182 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Sep 8, 2026 |
| Property Address | 835 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Document Number | 0000018182 |
| Book / Page | 5962 / 326 |
| Instrument Date | Sep 2, 2026 |
| Instrument | 202618182 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 835 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Aug 11, 2026 |
| Property Address | 835 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Document Number | 0000016170 |
| Book / Page | 5952 / 823 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 202616170 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 835 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Document Number | 0000016170, |
|---|---|
| Date | Aug 11, 2026 |
| Book Page | 5952/823 |
| Instrument | 202616170 |
| Name | NORTHSTAR BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 835 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 835 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Document Number | 0052960810 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 5296/810 |
| Instrument | 2021000129 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2041 |
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 | $126,000 (+7.69%) | $252,000 (+7.69%) | |
| 2025 | $3,066.00 (+2.06%) Homeowner's exemption | $117,000 (+11.11%) | |
| 2024 | $3,004.00 (+12.22%) | $234,000 (+11.11%) | |
| 2023 | $105,300 | ||
| 2022 | $2,677.00 | $210,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
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 224 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 |
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