Under Contract
7277 Cardinal Street, Algonac, MI 48001
$569,000
MLS # 20261030176 (Realcomp)
3 beds3 baths2,265 sqftBuilt 19950.18 acres
1 / 36
Listing Description
Waterfront Perfection – Truly A Must See! From the moment you arrive, it’s clear this brick canal home has been lovingly cared for and thoughtfully updated. Inside, durable life-proof flooring flows through the main living areas, freshly carpeted stairs add a welcoming touch, and both the full and half baths on the main floor were beautifully renovated in 2025—blending modern style with everyday convenience. The spacious primary suite offers a private retreat with a jetted tub and sauna, the perfect place to unwind and warm up after a classic Michigan winter day. Ample storage throughout, plus attic and dormer space and a spotless crawl space, ensure everything has its place.Step outside and the lifestyle truly begins. A deep, wide canal sets the stage for boating, relaxing, and entertaining with ease. Enjoy a 12-foot platform dock, 50-amp boat hoist to hold up 10k capacity, hot tub, and a dedicated gas line ready for grilling—ideal for summer gatherings or quiet evenings by the water. Peace of mind comes with solid major updates, including a 13-year roof, 8-year HVAC system, and a 200-amp electrical panel with a generator hook up. Best of all, there’s no HOA.This is more than a home—it’s a waterfront experience, meticulously maintained and ready for its next chapter. House was appraised November of 2025 for $600,000 you will instantly have equity. Make it yours and start creating memories on the water.
Source: SparkMLS
About this home
Located in Clay Township in Algonac, this property offers 3-bedroom, 3-bath, 2,265 sq ft, with original construction dating to 1995.
Asking $569,000 (about $251/sq ft).
Property tax estimate: $5,051 per year ($421/month). 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
Bathrooms3
Living Area2,265 sqft
Lot Size0.18 acres
Year Built1995
Stories2
Location
CityAlgonac
MunicipalityClay Twp
Zip Code48001
CountySt. Clair
School DistrictAlgonac
Construction & Systems
ConstructionBrick
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorHot Tub Spa
Sale & Financing
Listed4/29/2026
Terms AcceptedCash, Conventional, FHA, Rural Development
Source: SparkMLS
Tax Information
Annual Tax$5,051
Parcel #74141990035000
Source: SparkMLS
Legal Description
LOT 252 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 Kelly A Smith
Smith Street
Frequently Asked Questions about 7277 Cardinal Street, Algonac, MI 48001
Which school district serves 7277 Cardinal Street, Algonac, MI 48001?
Per MLS# 20261030176, 7277 Cardinal 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 7277 Cardinal Street, Algonac, MI 48001?
Per MLS# 20261030176, this listing accepts Cash, Conventional, FHA, Rural Development 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 7277 Cardinal Street, Algonac, MI 48001?
Per public tax records, annual property taxes for this property are $5,051. 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, 7277 Cardinal 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 7277 Cardinal 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 7277 Cardinal 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$3,691
Principal & interest$3,691
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
7277 Cardinal Street, Algonac, MI 48001
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Municipality
Clay Township
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