Sold
623 Columbia Street, Algonac, MI 48001
Sold on 05/11/2026 for$225,000
MLS # 20261020300 (Realcomp)
3 beds2 baths1,260 sqftBuilt 20210.19 acres
1 / 36
Listing Description
Imagine moving into a house where the heavy lifting has been done for you. This 2021 built ranch offers the peace of mind that comes with newer construction in the heart of a historic waterfront community. Your new lifestyle begins just steps from your front door; with a playground directly across the street and a beautiful waterfront park within walking distance, the best of lakeside living is your daily reality without the lakefront pricetag. Whether you are a boating enthusiast or simply crave the calm of the water, this location puts you exactly where you want to be. Start your days with quiet coffee on the covered porch before heading inside to the open 1,260 square foot layout with plenty of room to host guests or relax in the living room. The kitchen comes equipped with a gas stove and stainless steel appliances. Finding a modern, move-in ready home in such a prime community focused location is a rare opportunity. From the fresh finishes to the proximity to the lake, this is more than a house, it is a gateway to your next chapter. Experience the comfort of new construction, a quiet neighborhood and the charm of a waterfront town in one perfect package. While the sellers are disappointed to leave this home behind, work demands they move on to the next.
Source: SparkMLS
About this home
Located in Clay Township in Algonac, this property offers 3-bedroom, 2-bath, 1,260 sq ft, with original construction dating to 2021.
Final sale price: $225,000 (about $179/sq ft).
Estimated annual property tax: $4,935, or about $411 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
Bedrooms3
Bathrooms2
Living Area1,260 sqft
Lot Size0.19 acres
Year Built2021
Stories1
Location
CityAlgonac
MunicipalityAlgonac City
Zip Code48001
CountySt. Clair
School DistrictAlgonac
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed3/30/2026
Sold Date5/10/2026
Terms AcceptedCash, Conventional, FHA
Source: SparkMLS
Tax Information
Annual Tax$4,935
Parcel #74011050231000
Source: SparkMLS
Legal Description
E 1/2 OF LOTS 3 & 4 BLOCK 72 & W 1/2 OF VAC ALLEY ADJ MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 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 Kathy Furlong
Keller Williams Lakeside
Frequently Asked Questions about 623 Columbia Street, Algonac, MI 48001
Which school district serves 623 Columbia Street, Algonac, MI 48001?
Per MLS# 20261020300, 623 Columbia 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.
What financing options are available for 623 Columbia Street, Algonac, MI 48001?
Per MLS# 20261020300, this listing accepts Cash, Conventional, FHA 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 623 Columbia Street, Algonac, MI 48001?
Per public tax records, annual property taxes for this property are $4,935. 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, 623 Columbia 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 623 Columbia Street, Algonac, MI 48001 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. 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.
What utilities serve 623 Columbia 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 Algonac City police department or the St. Clair County sheriff's office.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$1,492
Principal & interest$1,492
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
623 Columbia Street, Algonac, MI 48001
View full property history →
Municipality
Clay Township
View all listings →
Get email alerts for new listings near 623 Columbia Street
We'll notify you when something hits the market in Clay Township or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.