Sold
7244 Cardinal Road, Algonac, MI 48001
Sold on 05/12/2026 for$385,000
MLS # 20261029540 (Realcomp)
3 beds2 baths1,640 sqftBuilt 19750.23 acres
1 / 65
Listing Description
Beautiful canal-front colonial offering three-bedrooms, one and one-half baths, and a two-car attached garage! Situated on a spacious lot with direct water access, this home features a bright and inviting layout with multiple living spaces, including a cozy front living room and an open kitchen/dining area overlooking the backyard and canal. Enjoy waterfront living with a large backyard, paver patio, and steel seawall (2015), perfect for relaxing or entertaining. Boating enthusiasts will love the 10,000 lb boat hoist (2025) and direct canal access. In-ground sprinklers draw from the canal for easy lawn maintenance. Recent updates provide peace of mind, including a new breaker panel (2025), boat hoist (2025), and major exterior improvements—roof, gutters, downspouts, trim, and soffits (2022). Wallside windows with a 35-year warranty (9 years remaining) add efficiency and value, and a gas line is available for a stove. This well-maintained home offers a fantastic opportunity to enjoy waterfront living with solid updates already completed.
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,640 sq ft home in Clay Township in Algonac built in 1975.
This home sold for $385,000 (about $235/sq ft).
Estimated annual property tax: $3,323, or about $277 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 Area1,640 sqft
Lot Size0.23 acres
Year Built1975
Stories2
Location
CityAlgonac
MunicipalityClay Twp
Zip Code48001
CountySt. Clair
School DistrictAlgonac
Construction & Systems
ConstructionAluminum Siding, Brick
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed4/29/2026
Sold Date5/11/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$3,323
Parcel #74141990071000
Source: SparkMLS
Legal Description
LOT 292 BLUE WATER ISLES NO 2
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 Mike Meldrum
Real Estate One-Chesterfield
Frequently Asked Questions about 7244 Cardinal Road, Algonac, MI 48001
Which school district serves 7244 Cardinal Road, Algonac, MI 48001?
Per MLS# 20261029540, 7244 Cardinal Road, 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 type of financing is accepted for this listing?
Per MLS# 20261029540, 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 7244 Cardinal Road, Algonac, MI 48001?
Per public tax records, annual property taxes for this property are $3,323. 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, 7244 Cardinal Road, 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 7244 Cardinal Road, 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 7244 Cardinal Road, 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$2,529
Principal & interest$2,529
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
7244 Cardinal Road, Algonac, MI 48001
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Municipality
Clay Township
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