Sold
3838 South Channel Drive, MI 48028
Sold on 02/23/2026 for$399,900
MLS # 50197675 (MiRealSource)
2 beds1 bathBuilt 99990.22 acres
1 / 34
Listing Description
Run, don’t walk, to this island retreat! South Channel waterfront living at its finest! Used as a full-time residence, this home offers a sandy beach and a dock permit in hand. Lay at the beach to relax, picnic, swim, or watch the amazing freighters pass by. Kayaker’s Paradise! Neighbors feel like family, making this island community truly special. Ride the ferry over to your island paradise — once you land, you’re on island time, feeling far away yet close to everything without fighting traffic to get away. Just a short walk to charming downtown San Souci with its riverfront boutique, Island Grind for coffee and breakfast, San Souci bar & restaurant, museum, library, and the convenient San Souci Market providing everything from meats and vegetables to ice cream and sundries. The Schoolhouse Grill offers elite dining, euchre nights, book clubs, and wine tastings. Many island marinas nearby to keep your boat or water toys. Enjoy front-row seats to the Labor Day and Chris-Craft boat parades, tennis and pickleball at Browns Field Park, playground events, Lions Club activities, a shooting range, pancake fundraisers, and many clubs to join if you’re looking for community. Biking, walking, side-by-sides, and golf carts are all welcome. Home updates include a new furnace, AC, and 40-gallon water heater (2021), plus a newer roof. Harsens Island life isn’t just a cottage… it’s a lifestyle!
Source: SparkMLS
About this home
This 2-bedroom, 1-bath home built in 9999 sits in Clay Township in Michigan.
Closed at $399,900.
Broadband is available with download speeds up to 1,200 Mbps from 6 providers. Electric service is provided by DTE Electric Company; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Lot Size0.22 acres
Year Built9999
Location
MunicipalityClay Twp
Zip Code48028
CountySt. Clair
School DistrictAlgonac
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
Garage1 space
HeatingForced Air
SewerSeptic Tank
Sale & Financing
Listed1/15/2026
Sold Date2/22/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
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 Laura Janski
RE/MAX Advisors
Frequently Asked Questions about 3838 South Channel Drive, MI 48028
What school district is 3838 South Channel Drive, MI 48028 in?
Per MLS# 50197675, 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# 50197675, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
Is 3838 South Channel Drive, MI 48028 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, 3838 South Channel Drive, MI 48028 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.
Is fiber internet available at 3838 South Channel Drive, MI 48028?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 3838 South Channel Drive, MI 48028. The maximum advertised download speed is 1.2 Gbps. 6 internet providers serve this address. Confirm availability and speeds directly with providers.
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: Septic Tank. Confirm service details directly with providers.
How safe is 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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Mortgage Calculator
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Monthly payment$2,594
Principal & interest$2,594
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1.2 Gbps
Upload
35 Mbps
CableGSO SatelliteSatelliteLicensed Fixed Wireless
6 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
DTE Electric Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
3838 South Channel Drive, MI 48028
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Municipality
Clay Township
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