For Sale
3099 Fruit Street, Algonac, MI 48001
$399,000
MLS # 20261039772 (Realcomp)
4 beds2 baths1,887 sqftBuilt 20170.31 acres
1 / 37
Listing Description
Welcome to this beautifully maintained 4-bedroom, 2-bath ranch built in 2017 and offering nearly 1,900 square feet of comfortable living space. The open-concept floor plan features a spacious kitchen with granite countertops, a large center island, black stainless steel appliances, and abundant natural light throughout. The inviting living room is enhanced by custom window treatments that add both style and functionality. The primary suite includes a private bath with a soaking tub and separate shower.Enjoy outdoor living from the covered front porch, spacious deck with covered seating area, and private backyard that backs to mature woods. The outdoor space is perfect for relaxing or entertaining, featuring a cozy firepit area and a storage shed for added convenience. Additional features include a heated and insulated attached 2-car garage with recessed lighting, tankless water heater, sprinkler system for flower beds, and beautifully landscaped grounds.Conveniently located just minutes from public boat launches, marinas, and all that the St. Clair River area has to offer.
Source: SparkMLS
About this home
This 4-bedroom, 2-bath, 1,887 sq ft home built in 2017 sits in Clay Township in Algonac.
Currently offered at $399,000 (about $211/sq ft).
Estimated annual property tax: $4,774, or about $398 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 Area1,887 sqft
Lot Size0.31 acres
Year Built2017
Stories1
Location
CityAlgonac
MunicipalityClay Twp
Zip Code48001
CountySt. Clair
School DistrictAlgonac
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/7/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$4,774
Parcel #74144420048070
Source: SparkMLS
Legal Description
PART OF LOT 232 DESC AS: BEG N 0D 16M 0S E 1602.73' & TH N 88D 6M 27S E 140' FROM SW COR LOT 232, TH N 0D 16M 0S E 130.09', TH N 88D 6M 27S E 102.29', TH S 0D 16M 0S W 130.09', TH S 88D 6M 27S W 102.29' TO BEG SUPERVISOR ROY T GILBER PLAT NO 2
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Janice Smith
Five Star Real Estate - Troy
Frequently Asked Questions about 3099 Fruit Street, Algonac, MI 48001
Which school district serves 3099 Fruit Street, Algonac, MI 48001?
Per MLS# 20261039772, 3099 Fruit Street, Algonac, MI 48001 is in the Algonac boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Algonac directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 20261039772, this listing accepts Cash, Conventional, FHA, VA Loan financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 3099 Fruit Street, Algonac, MI 48001?
Per public tax records, annual property taxes for this property are $4,774. 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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 3099 Fruit Street, Algonac, MI 48001 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 3099 Fruit Street, Algonac, MI 48001 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 3099 Fruit Street, Algonac, MI 48001?
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.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Clay Twp police department or the St. Clair County sheriff's office.
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Monthly payment$2,588
Principal & interest$2,588
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
3099 Fruit Street, Algonac, MI 48001
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Municipality
Clay Township
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