146 Algonac, Algonac, MI, 48001
About This Home
Escape to island living in this charming Russell Island cottage. Perfectly situated on a peaceful oversized lot just a short stroll from the beach, park, and ferry landing, this property offers the ideal blend of relaxation and recreation. A private outdoor oasis for family gatherings and summer memories. Inside, you'll find a spacious first-floor primary bedroom and a generous second-floor loft designed to accommodate guests, grandchildren, or weekend visitors with ease. The enclosed porch provides additional living space and the perfect spot to enjoy your morning coffee or unwind after a day on the river. Whether you're looking for a seasonal getaway or a place to create lasting traditions, this Russell Island gem offers the unique summer lifestyle you've been dreaming about. Covered canal boat slip available. Boat house Tax ID 74149190032200
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1978
Materials
- Foundation: Crawl Space
- Roof: Asphalt
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: A Frame,Bungalow
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built In Electric Oven,Built In Electric Range,Built In Refrigerator,Dryer,Microwave,Washer
- Laundry features: Electric Dryer Hookup,Washer Hookup
Bedroom
- Level: Second
- Area: 364
- Dimensions: 26 X 14
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Level: Entry
- Area: 132
- Dimensions: 12 X 11
Features
- Fireplace features: Living Room,Wood Burning
- Fireplace: Yes
- Finished area above ground: 1,525
Heating & Cooling
- Heating features: Electric,Wall Furnace,Wood
- Cooling features: Ceiling Fans,Wall Units
Interior Area
- Total interior livable area: 1,525 sqft
Kitchen
- Level: Entry
- Area: 140
- Dimensions: 14 X 10
Living Room
- Level: Entry
- Area: 368
- Dimensions: 23 X 16
Other
- Level: Entry
- Area: 64
- Dimensions: 8 X 8
Other
- Level: Entry
- Area: 228
- Dimensions: 19 X 12
Primary Bedroom
- Level: Entry
- Area: 209
- Dimensions: 11 X 19
Property
Details
- Parcel number: 74149010167000
- Special condition: Short Sale No,Standard
- Exclusions: Exclusion(s) Do Not Exist
Features
- Levels: One And One Half
- Stories: 1
- Entry location: GroundLevelwSteps
- Pool features: None
- Waterfront features: Beach Access,Boat Facilities,Canal Access,Dock Facilities,River Access
- Waterbody name: St Clair River
Lot
- Lot size: 0.62 Acres
- Features: Irregular Lot,Water View,Vacation Home
- Lot size dimensions: 275.00 x 119.00
Parking
- Parking features: No Garage
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Inland Flooding
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in St. Clair County and Michigan
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $960 | $11,520 |
| Home Insurance * | $91 | $1,092 |
| Property Taxes | $279 | $3,348 |
| Electricity | $188 | $2,259 |
| Total | $1,518 | $18,216 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Contingent | $189,900 |
| 2026-07-13 | Price change | $189,900 |
| 2026-06-29 | Price change | $199,000 |
| 2026-06-19 | Listed for sale | $229,000 |
| 2025-11-02 | Listing removed | $299,900 |
| 2025-06-18 | Price change | $299,900 |
| 2025-05-01 | Listed for sale | $325,000 |
| 2024-07-13 | Listing removed | $219,900 |
| 2024-07-02 | Price change | $219,900 |
| 2024-04-19 | Listed for sale | $225,000 |
| 2023-06-25 | Listing removed | -- |
| 2022-06-24 | Listed for sale | $280,000 |
View on Zillow