St. Clair County property record for 840 Ruskin Dr, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,145 sqft · built 1978 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $270,000 (Oct 2020) |
| Tax Bill | $6,259 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-127-0005-000 |
| Primary APN | 74-01-127-0005-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,145 sqft Living Area |
| 1st Floor Area | 2,145 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 110 ft deep x 100 ft wide |
| Garage Area | 1,078 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Space Heater |
|---|
| Street Address | 840 RUSKIN DR |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | E 50' LOT 266 & ALL LOT 267 SUPERVISOR ROY T GILBERT'S PLAT NO. 2 |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 2-ALGON |
| Legal Lot Number | 266-267 |
| 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 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 | 840 RUSKIN DR, ALGONAC, MI 48001-1819 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WALLED LAKE SCHOOLS EMPLOYEES FCU |
| Apr 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WALLED LAKE SCHOOLS EMPLOYEES FCU |
| Oct 19, 2020 | Warranty Deed, Transfer · Conventional Mortgage WALLED LAKE SCHOOLS EMPLOYEES FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2020 · Amount on Record |
| Deed Sale | Oct 19, 2020 · Amount on Record |
| Deed Document Number | 202025662 |
| Deed Book / Page | 5257 / 370 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 840 RUSKIN DR, ALGONAC, MI 48001-1819 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 840 RUSKIN DR, ALGONAC, MI 48001-1819 |
| Document Number | 0005503766 |
|---|---|
| Date | Mar 29, 2022 |
| Book Page | 5503/766 |
| Instrument | 2022007717 |
| Name | WALLED LAKE SCHOOLS EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | WALLED LAKE, MI 48390 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 14, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 840 RUSKIN DR, ALGONAC, MI 48001-1819 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 840 RUSKIN DR, ALGONAC, MI 48001-1819 |
| Document Number | 534617 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 5346/17 |
| Instrument | 2021009904 |
| Name | WALLED LAKE SCHOOLS EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | WALLED LAKE, MI 48390 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Feb 28, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Oct 19, 2020 |
| Property Address | 840 RUSKIN DR, ALGONAC, MI 48001-1819 |
| Document Number | 0005257370 |
| Book / Page | 5257 / 370 |
| Map Reference | LB 48 PG 32-35 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 2020025662 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,025.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 840 RUSKIN DR, 840, ALGONAC, MI 48001-1819 |
| Name | Verified Name |
|---|---|
| Address | 53623 DEBRA DR, SHELBY TOWNSHIP, MI 48316-2301 |
| Document Number | 2020025663 |
|---|---|
| Date | Oct 19, 2020 |
| Instrument | 2020025663 |
| Name | WALLED LAKE SCHOOLS EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 30, 2035 |
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 | $208,600 (+7.8%) | $417,200 (+7.8%) | |
| 2025 | $6,259.00 (+1.99%) Homeowner's exemption | $193,500 (+17.06%) | |
| 2024 | $6,137.00 (+11.93%) | $387,000 (+17.06%) | |
| 2023 | $165,300 | ||
| 2022 | $5,483.00 | $330,600 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures