Algonac Homes with FHA Listing Terms

Algonac Homes with FHA Listing Terms

Welcome to Algonac, Michigan, a charming community nestled in St. Clair County, where the beauty of nature meets the warmth of small-town living. Known for its picturesque waterfront views along the St. Clair River, Algonac offers a unique blend of outdoor activities and a vibrant community atmosphere. One of the standout features of this area is its exceptional school district, which is dedicated to fostering a supportive and enriching environment for students.

The Algonac Community Schools district prides itself on its commitment to academic excellence, innovative programs, and a strong emphasis on character development. With a variety of educational opportunities, including advanced placement courses and extracurricular activities, parents can rest assured that their children are receiving a well-rounded education. The district’s dedicated educators work tirelessly to inspire students, preparing them for future success both in and out of the classroom.

For those looking to call Algonac home, the real estate market offers an array of options, including homes available with FHA listing terms. This means that prospective buyers can take advantage of flexible financing options, making it easier to secure their dream home in this idyllic community. Whether you're drawn to quaint bungalows or spacious family homes, Algonac has something to suit every taste and budget.

Explore the charm of Algonac, where excellent schools and welcoming neighborhoods come together to create a perfect place to live, learn, and grow. Your dream home awaits in this beautiful corner of Michigan!

Newest Algonac Homes with FHA Listing Terms

3 Beds ⋅ 2 Baths ⋅ 50221738 MLS ⋅ ACTIVE Status

Waterfront Estate with Breathtaking Million-Dollar NORTH CHANNEL Views. Bring on the boats as this property provides 109' of Dockage. Beautifully updated. No expense spared. Situated on an extra-deep, extra-wide free flowing Crystal clean canal. Plenty of room for all your waterfront toys. This property offers an exceptional setup for boaters—the inlet can accommodate a 60-foot boat. The piers and seawall are in excellent condition, providing peace of mind for years to come. Enjoy Caribbean-blue waters, abundant wildlife, and exceptional privacy from your new deck on the generous 1/4-acre lot. Designed for effortless indoor/outdoor entertaining, the home features a modern open kitchen with granite countertops, backlit crown molding, wood hood fan, and glass cooktop. Rich Mahogany Viking engineered wood flooring, backed by a 50-year warranty, adding warmth and sophistication throughout. Living room provides a fireplace to snuggle up to on those chilly evenings. The primary suite offers walkout door-walls and a dedicated makeup vanity room. Professionally landscaped with gorgeous perennials thru-out the property. Many types of mature fruit trees. Additional bonus rooms provide plenty of flexible space for storage, crafts, sewing, or workshop. 2.5 attached garage. Shed. Two outdoor motorized awnings (12' and 16') to protect you from the sun... enhancing your outdoor entertainment . Canal-fed in-ground sprinklers. Immaculately cared for...TRUE PRIDE IN OWNERSHIP!! This rare one-story waterfront property is turn key with nothing to do but move right in and start enjoying your new waterfront lifestyle .

7339 Riverside Drive, Not Provided

3 Beds ⋅ 1 Baths ⋅ 26048446 MLS ⋅ ACTIVE Status

A Lighthouse-Inspired home just steps from the St. Clair River! This truly unique 2-bedroom, 1-bath Algonac home is one you won't soon forget! Its distinctive lighthouse-like design gives it character you simply won't find in every neighborhood. Inside, you'll find a functional layout with 1 bedroom on the main level and 1 bedroom on the second level, first-floor laundry and additional rooms that aren't officially classified as bedrooms but offer the space and flexibility you'd expect from them. The kitchen features ample cabinets and a cozy breakfast nook. Outside, enjoy a large corner lot with a fenced backyard and an uncommon sense of privacy, with no nearby neighbors crowding the property. An attached 1-car garage provides convenient parking and storage. And the location is the cherry on top — the St. Clair River is right next door and within easy walking distance. A unique home, a spacious lot, and a river lifestyle — this is the house you'll want to see in person!

204 Lathrop Avenue, Algonac

3 Beds ⋅ 2 Baths ⋅ 50221508 MLS ⋅ ACTIVE Status

Front-row seats to the international shipping channel! Enjoy spectacular views of freighters, boats and all the activity of the St. Clair River from this 3-bedroom, 2-bath Harsens Island home. The first floor offers a bedroom and full bath, with two additional bedrooms and a second bath upstairs. Step outside and enjoy the covered porch—perfect for relaxing, catching the river breeze and watching the ships pass by. At the water’s edge, a great large platform on the dock provides even more space to sit back and enjoy the view, plus there’s a boat hoist and davit for your waterfront toys. Conveniently located near San Souci for restaurants, shopping, coffee and the library. Whether you’re looking for a year-round island home or a waterfront getaway, this is your opportunity to enjoy the South Channel lifestyle with the freighters practically in your front yard!

3280 S Channel Drive, Not Provided

5 Beds ⋅ 3 Baths ⋅ 20261073176 MLS ⋅ ACTIVE Status

WELCOME TO THE BLOCK! "This is not Grandma's old and tired Victorian home." Think new construction, perfectly blended with historical charm, just blocks from Algonac's waterfront. Since 2016, the current owners of 1513 St. Clair Blvd. have spared no expense in creating this Masterpiece!! As you put your eyes on this exterior for the first time, there are so many important and brand new details to take in. Perfectly chosen color schemes and styling of vinyl siding, vibrant oversized window trim, carriage house shingles, wrap-around front porch, expertly manicured yard and landscaping, 24' x 24' garage, 16kw Generac backup generator, storage shed and fenced yard. Countless licensed and insured contractors were hired during the past 10 years to completely tear this beauty down to the studs, bring her into the 21st century with all modern and high-end building materials. This work included a Mother-in-Law Suite or Home Office if you prefer; equipped with vaulted ceilings, custom bathroom, kitchenette and private secured entrance. Throughout the Main House; you will find beautiful original hardwood floors, vast granite countertops, showroom cabinetry, premium appliances, hand-picked faucets and fixtures. Over 2,200 sq.ft here, with 4 sizable bedrooms, 2 professionally done bathrooms, BIG living and dining rooms, plus more storage than anyone could ever possibly want. Window coverings were designed and installed at the same time as the full house of white vinyl windows. Two furnaces, central air conditioning, a mini-split and hot water heater were also part of this complete overhaul. This is truly one you HAVE to see in-person before it flips to Pending. Do You Want a Professional Home Inspection, Lender Appraisal and Premium 1-Year Home Warranty AT NO COST?? Dial that Number!!

1513 Saint Clair Boulevard, Algonac

3 Beds ⋅ 2 Baths ⋅ 50221358 MLS ⋅ ACTIVE Status

**OPEN HOUSE: Sat, 9/19/26 @ 11am-1pm** Welcome to this beautifully renovated ranch home in the heart of Algonac, ideally located next to a scenic walking trail and just minutes from the St. Clair River. This move-in-ready home features 3 spacious bedrooms, 2 fully updated bathrooms, and a 2-car garage, with half of the garage thoughtfully converted into a heated party and entertainment room—perfect for gatherings, hobbies, or a game room. Situated on a rare fenced triple lot, the property offers abundant outdoor space, a storage shed, and parking for 6+ vehicles. Inside, you'll find an open-concept floor plan highlighted by stunning custom Amish-built cabinetry, a one-of-a-kind breakfast nook with floating shelves, beautiful quartz countertops, and two completely remodeled bathrooms. No detail was overlooked during the home's extensive renovation, which includes a new roof, new furnace and central air, all-new plumbing, updated electrical, Energy Star-rated insulation, new flooring, new trim, new interior doors, and fresh paint inside and out. The cedar siding adds timeless curb appeal, while the private courtyard just outside the breakfast nook creates a peaceful outdoor retreat surrounded by mature trees. Offering the quality and finishes of new construction without the wait, this exceptional home is perfectly located just one block from the St. Clair River, three blocks from the public pool and playground, and only a few blocks from the beautiful riverfront park. Don't miss this rare opportunity to own a fully renovated home in one of Algonac's most desirable locations!

367 Sherwood Lane, Algonac

3 Beds ⋅ 1 Baths ⋅ 50221356 MLS ⋅ ACTIVE Status

Welcome to Algonac living! This beautifully updated 3-bedroom, 1-bath home is conveniently located close to shopping, dining, parks, the boardwalk with beautiful water views, and the ferry to Harsens Island. Recent updates include brand-new appliances, flooring, and windows, along with a newer roof. Move-in ready and full of charm, this home offers comfort, convenience, and easy access to everything Algonac has to offer. Land contract terms are available.

905 Liberty Road, Algonac

3 Beds ⋅ 2 Baths ⋅ 50220936 MLS ⋅ ACTIVE Status

Unique opportunity to live on an acre of land with canal frontage! Immediate occupancy with keys at closing for this 3 bedroom 2 bathroom ranch nestled back from the road giving a peaceful and cozy setting. The canal connects to the St. Clair River via a low lying bridge that would conveniently accommodate kayaks, canoes, or small boats. Great location near the Algonac State Park, downtown area with boardwalk, and library. Live within walking distance of the brand new city pool! The pool is large with a splash pad and offers daily aerobics classes. Relax on the weekends in the backyard or on the large covered porch. Inside you'll find an open layout with plenty of natural light and newer flooring throughout. All appliances are negotiable and will be included with a full price offer. Recent improvements include new A/C unit (2024) and hot water tank (2025). The oversized lot and waterfront setting make this property stand out by offering space and flexibility. Schedule your showing today!

351 Center Street, Algonac

4 Beds ⋅ 2 Baths ⋅ 20261071530 MLS ⋅ ACTIVE Status

Hurry to this move-in ready home with the updates you’ve been looking for.The kitchen features custom cabinets and plenty of granite counter space. Inside you’ll find a large living room and four spacious bedrooms. The updated bathroom stands out with a curved glass shower enclosure that includes a built-in seat, multiple hydro-massage body jets, an overhead rain shower, a handheld sprayer, an interior shelf, and a digital control panel. Pair that with the nearby vanity, tile flooring, and clean finishes and this bath is ready to make every day feel like a spa day.You’ll also love the large bedrooms, second full bath, and convenient first-floor laundry that covers your wants and needs. Outside, enjoy a huge one-year-old pole barn ready for all your outdoor toys on over an acre of land. Feel like you’re in the country while still being just minutes from boating, shopping, and restaurants. Great schools and so much more—plus you get the keys at closing.Hurry before this home is gone.*All information deemed reliable but not guaranteed*

8922 Stone Road, Algonac

4 Beds ⋅ 2 Baths ⋅ 50220837 MLS ⋅ ACTIVE Status

BEAUTIFULLY DESIGNED 4-BEDROOM, 2.5-BATH MODERN CRAFTSMAN HOME BUILT IN 2020. THIS HOME OFFERS A COMBINATION OF STYLE AND COMFORT. THE KITCHEN HAS NEWLY REFINISHED CABINETS, GRANITE COUNTERTOPS, AND UPDATED CAFE APPLIANCES, AND FOR THE AVID CHEF, A DOUBLE-OVEN GAS RANGE. THE DINING AREA IS CONVENIENTLY LOCATED JUST OFF THE KITCHEN WITH AN OPEN CONCEPT TO THE GREAT ROOM FEATURING BRAND-NEW VINYL PLANK FLOORING. 9 FT CEILINGS. THE FIRST FLOOR PRIMARY BEDROOM INCLUDES A FULL BATH AND WALK-IN CLOSET. FIRST-FLOOR LAUNDRY WITH A STACKABLE WASHING MACHINE AND DRYER. FIRST-FLOOR HALF BATH. THE SECOND FLOOR FEATURES 3 SPACIOUS BEDROOMS, A HALL BATH, AND AN ADDITIONAL BONUS ROOM, THE PERFECT SPOT FOR A HOME OFFICE, WORKOUT SPACE, OR AN ADDITIONAL BEDROOM. YOU WILL ENJOY THE OUTDOOR LIVING, FEATURING A HUGE BACKYARD, FRONT AND BACK COVERED PORCHES, A 16 X 20 EXPOSED AGGREGATE PATIO, A 24 X 24 FENCED GARDEN AREA, AN 8 X 10 UTILITY SHED, AN ABOVE-GROUND SWIMMING POOL, ALL ENCLOSED BY A 6 FT GREY STAINED PRIVACY FENCE, CREATING YOUR OWN PRIVATE RETREAT. HIGHLY SOUGHT AFTER 3-CAR HEATED GARAGE INCLUDING AN ELECTRIC VEHICLE CHARGER. CITY WATER, NATURAL GAS, SEWER, PAVED ROAD. LOCATED JUST MINUTES FROM THE ST CLAIR RIVER, LAKE ST CLAIR, AREA PARKS, BOAT LAUNCHES, AND MARINAS.

9400 Folkert Road, Not Provided

4 Beds ⋅ 2 Baths ⋅ 20261070695 MLS ⋅ ACTIVE Status

PROPERTY IS OCCUPIED PLEASE DO NOT BOTHER WITHOUT A CONFIRMED APPOINTMENTGreat Opportunity in Algonac! This property is ready for someone with vision to bring it back to life. The home needs updating and renovation, making it an excellent opportunity for an investor, rehabber, or buyer looking for a project they can customize to their own taste.The location is a major highlight—situated just a few blocks from the water and within walking distance of downtown Algonac, giving you easy access to local shops, restaurants, parks, and waterfront activities. With the right improvements, this property has the potential to be a great rental, resale, or personal residence.Bring your ideas, your contractor, and your vision. Priced with the needed updates in mind and ready for its next chapter!STOP RENTING! Move-In Ready 4-Bed Colonial (No Bank Needed)Skip the bank and start owning! If you have a down payment and steady income but are struggling to get a traditional mortgage, this is your chance. We are offering "seller financing"—which simply means we act as the bank. You make your monthly payments directly to us instead of jumping through hoops for a traditional lender.

420 Columbia Street, Algonac

5 Beds ⋅ 3 Baths ⋅ 20261070421 MLS ⋅ ACTIVE Status

Waterfront Home for Sale on Michigan's North Channel | Harsens IslandExperience the best of Michigan waterfront living at 2080 North Channel Drive on beautiful Harsens Island. Perfectly situated on the highly sought-after North Channel, this exceptional property provides the lifestyle that boaters, anglers, and outdoor enthusiasts dream about.Enjoy panoramic water views, direct access to the St. Clair River, Lake St. Clair, and the renowned St. Clair Flats. Whether you're heading out for a day on the water, entertaining family and friends, or simply relaxing while watching boats cruise by, this home provides an unmatched waterfront setting.The property presents a rare opportunity to own a home in one of Southeast Michigan's most desirable boating communities. Harsens Island is known for its peaceful atmosphere, natural beauty, world-class fishing, and easy access to waterfront restaurants, marinas, and endless recreational opportunities.Whether you're searching for a year-round residence, a second home, or a waterfront investment property, this home delivers the blend of comfort, privacy, and outdoor living.Property Features• Prime North Channel waterfront location• Incredible boating access to Lake St. Clair and the St. Clair River• Beautiful water views• Private waterfront setting• Boating, fishing, kayaking, and paddleboarding• Easy ferry access to Harsens Island• Located in one of Michigan's premier waterfront communities

2080 N Channel Drive, Not Provided

3 Beds ⋅ 2 Baths ⋅ 20261068689 MLS ⋅ ACTIVE Status

Welcome to Island Life on Lake St. Clair! Escape to the waterfront lifestyle you’ve been dreaming of in this updated, move-in-ready 1½-story home featuring 2 full bathrooms and beautiful views of Lake St. Clair.The inviting wraparound porch is the perfect place to relax, entertain, and take in the water views right from your own front porch. Inside, you’ll find a home that’s ready for you to move in and enjoy from day one.For the boating enthusiast, keep your boat at the beautiful Sunset Marina, where your marina membership includes access to the pool—perfect for making the most of those warm summer days!Additional highlights include:Waterfront viewsUpdated & move-in ready Sunset Marina is an extra charge to hold your boat. 1½-story home2 full bathroomsWraparound porchSunset Marina boat access + pool2 drivewaysOversized garageWhether you’re looking for a year-round home or your own waterfront getaway, this is island living at its best!Shared water access is through the Boondocks Association, an optional HOA that is not very active currently. Annual HOA: $600. It is to the south of the home, at the wooden dock area.

2231 N Channel Drive, Not Provided

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