For Sale
2230 Elm Street, Algonac, MI 48001
$495,000
MLS # 20261031476 (Realcomp)
4 beds2 baths1,917 sqftBuilt 20060.17 acres
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Listing Description
Waterfront Living in Algonac!Get ready for this beautifully updated waterfront home, offering direct access to the water and incredible views in one of Algonac’s most desirable areas.This home features 4 bedrooms and 2 full bathrooms, including a primary bedroom on the main level with a full bath, fireplace, and direct access to a patio through a sliding door, allowing you to step right outside and enjoy the waterfront setting.Wake up to the water, enjoy peaceful surroundings, and take in front-row views of passing freighters right from your own property — a truly unique experience you won’t find just anywhere. The home also includes a sunroom overlooking the river, perfect for relaxing and enjoying the views year-round.Additional features include a garage equipped with an electric vehicle plug, 2 portable A/C units and 1 window A/C unit that will stay with the home, as well as a mini split system for the upstairs bedroom.With easy access to the St. Clair River and Lake St. Clair, this home is perfect for boating, relaxing, and making the most of Michigan summers. Whether you're looking for a full-time residence or a weekend escape, this property delivers the true waterfront lifestyle buyers wait all season for.
Source: SparkMLS
About this home
This 4-bedroom, 2-bath, 1,917 sq ft home built in 2006 sits in Clay Township in Algonac.
Currently offered at $495,000 (about $258/sq ft).
Estimated annual property tax: $4,796, or about $400 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by DTE Electric Company; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms2
Living Area1,917 sqft
Lot Size0.17 acres
Year Built2006
Stories2
Location
CityAlgonac
MunicipalityAlgonac City
Zip Code48001
CountySt. Clair
School DistrictAlgonac
Construction & Systems
ConstructionBrick, Vinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingBaseboard, Radiant
WaterPublic
SewerPublic
Sale & Financing
Listed5/6/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$4,796
Parcel #74011550012000
Source: SparkMLS
Legal Description
LOT 23 OWANA BEACH PLAT ACCORDING TO THE PLAT RECORDD IN LIBER 25 OF PLATS PG 9 ST CLAIR COUNTY REGISTER OF DEEDS
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Derrick Kajbo
Brookstone, Realtors LLC
Frequently Asked Questions about 2230 Elm Street, Algonac, MI 48001
What school district is 2230 Elm Street, Algonac, MI 48001 in?
Per MLS# 20261031476, this property is served by Algonac. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 20261031476, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261031476, the most recent reported annual property tax for 2230 Elm Street, Algonac, MI 48001 is $4,796. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 2230 Elm Street, Algonac, MI 48001 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 2230 Elm Street, Algonac, MI 48001 is in flood zone AE (high risk). Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: SEMCO Energy Gas Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Algonac City police department or the St. Clair County sheriff's office.
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Monthly payment$3,211
Principal & interest$3,211
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
DTE Electric Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
2230 Elm Street, Algonac, MI 48001
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Municipality
Clay Township
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