St. Clair County property record for 847 Ruskin Dr, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,187 sqft · built 2005 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $269,899 (Nov 2023) |
| Tax Bill | $5,715 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Feb 2023 Second Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-127-0031-000 |
| Primary APN | 74-01-127-0031-000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,187 sqft Living Area |
| 1st Floor Area | 1,281 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Area | 800 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 847 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 298 SUPV ROY T GILBERTS PLAT NO 2 SEC 10 T2N R16E |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 10 |
| Legal Subdivision | SUPERVISORS ROY T GILBERTS PLAT #2 |
| Legal Lot Number | 298 |
| Legal Unit | 298 |
| 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 | 847 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 8, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Feb 17, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MORTGAGE CENTER |
| Aug 17, 2018 | Deed of Trust, Mortgage · Line of Credit ADVIA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2023 · Amount on Record |
| Deed Sale | Nov 8, 2023 · Amount on Record |
| Prior Sale | Jul 6, 2016 · Amount on Record |
| Deed Document Number | 202319922 |
| Deed Book / Page | 5669 / 675 |
| Prior Transfer Date | Jun 26, 2009 |
| Prior Transfer Doc | 003968/926 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Nov 8, 2023 |
| Property Address | 847 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Document Number | 0005669675 |
| Book / Page | 5669 / 675 |
| Map Reference | LB 48 PG 32-35 |
| Instrument Date | Oct 12, 2023 |
| Instrument | 2023019922 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2023 |
| Title Company | PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,025.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 847 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Name | Verified Name |
|---|---|
| Address | 2014 BRYANT LN, POPLAR BLUFF, MO 63901-2759 |
| Document Number | 2023019923 |
|---|---|
| Date | Nov 8, 2023 |
| Instrument | 2023019923 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 847 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2023 |
| Title Company | NATIONS TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 847 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Document Number | 0005599777 |
|---|---|
| Date | Feb 17, 2023 |
| Book Page | 5599/777 |
| Instrument | 2023002747 |
| Name | MORTGAGE CENTER |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48076 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 847 RUSKIN DR, ALGONAC, MI 48001-1820 |
| Document Number | 0049820446 |
| Instrument Date | Aug 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 847 RUSKIN DR ALGONAC MI 480011820, ALGONAC, MI 48001-1820 |
| Document Number | 0049820446 |
|---|---|
| Date | Aug 28, 2018 |
| Book Page | 004982/000446 |
| Name | ADVIA CU |
|---|---|
| Type | Credit Union |
| Address | PARCHMENT, MI 49004 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 27, 2038 |
| Rate Type | Adjustable Rate |
|---|
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 | $154,000 (+8.3%) | $308,000 (+8.3%) | |
| 2025 | $5,715.00 (-2.86%) Homeowner's exemption | $142,200 (+11.97%) | |
| 2024 | $5,883.00 (+54.17%) | $284,400 (+11.97%) | |
| 2023 | $127,000 | ||
| 2022 | $3,816.00 | $254,000 |
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 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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