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

2 Beds ⋅ 3 Baths ⋅ 20261058953 MLS ⋅ ACTIVE Status

Enjoy the best of waterfront living on all-sports Lake St. Clair! Whether you're looking for a year-round home, weekend getaway, or a fantastic Airbnb/VRBO investment opportunity, this charming lakefront property has it all. Featuring over $35,000 in improvements completed within the last 3 years, improvements include a brand-new master bathroom, window treatments, garage door, catwalk, stainless steel refrigerator, and more. The kitchen offers granite countertops, maple cabinetry, and a vaulted ceiling, creating a bright and inviting space. Boating enthusiasts will love the covered boat hoist - a rare grandfathered-in feature that can no longer be built. Move-in ready and full of charm, this is your chance to own a piece of Lake St. Clair living. Schedule a private tour today!

8449 Dixie Highway, Ira

3 Beds ⋅ 3 Baths ⋅ 20261057895 MLS ⋅ ACTIVE Status

Tucked into the water-loving community of Clay Township, this three-bedroom, two-and-a-half-bath home strikes a rare balance between comfort, space, and everyday practicality. It's the kind of place that feels ready to move into, yet still leaves room for you to add your own personal touches.The open floor plan invites easy living, with recessed lighting casting a warm glow across the main level. Home cooks will gravitate toward the kitchen, where granite countertops offer plenty of room to prep. A generous primary suite serves as your private retreat, complete with its own bathroom, while first floor laundry quietly earns its spot as one of those conveniences you'll wonder how you ever lived without.Step outside and the perks keep coming. The large backyard is begging for summer cookouts, garden dreams, or simply room to roam. A two-car garage and a bonus backyard shed mean storage is never a headache.Location seals the deal. You're minutes from Browne's Field for outdoor fun, close to Algonac Junior/Senior High School, and a quick trip from local shopping near Pointe Tremble Road. This corner of Michigan brings that laid-back, near-the-water charm without sacrificing daily conveniences.Well kept and thoughtfully laid out, this home offers tremendous value for buyers craving space and a friendly community feel. Come see for yourself how comfortably life could fit here—this listing won't stay quiet for long.

9399 Oakdale Street, Algonac

3 Beds ⋅ 2 Baths ⋅ 50216123 MLS ⋅ ACTIVE Status

Move-In Ready & Minutes from the Water! Don't miss this beautifully updated manufactured home situated on a spacious double lot with a fully fenced backyard and a detached 2-car garage. Whether you're looking for your first home, a weekend retreat, or a place to enjoy the waterfront lifestyle, this property checks all the boxes. Step inside to find numerous recent updates, including newer flooring, roof, furnace, hot water tank, and appliances—giving you peace of mind and making this home truly move-in ready. Love the outdoors? You'll appreciate being just minutes from the boat ramp and Clay Township Water Park, making it easy to enjoy boating, fishing, swimming, and summer fun. With almost immediate possession available, you can move in and start enjoying your new home right away. Schedule your showing today—this one won't last long!

9642 Meadowbrook Street, Algonac

2 Beds ⋅ 1 Baths ⋅ 20261057050 MLS ⋅ ACTIVE Status

Welcome to 1823 Washington Street in Algonac! This well-maintained 2-bedroom, 1-bath home offers comfortable one-level living with a spacious living room, dining area, functional kitchen, and convenient laundry room. A one-car detached garage provides additional storage and parking. Ideally located just steps from Lions Field, home to the community's public pool, and just minutes from downtown Algonac and the beautiful St. Clair River waterfront park, you'll enjoy easy access to boating, fishing, local shops, restaurants, and community events. Whether you're a first-time homebuyer, looking to downsize, or searching for an investment opportunity, this home offers an excellent location and outstanding value. Pre-Approved Buyers Only

1823 Washington Street, Algonac

4 Beds ⋅ 2 Baths ⋅ 50214898 MLS ⋅ ACTIVE Status

Beautifully maintained 2800 sq ft home on a double lot just blocks from Downtown Algonac, the boardwalk, city pool, and dog park. Major updates include: new roof (9/23) with 50-year warranty on home and garage, new gutters, gutter guards, and six skylights; three custom storm doors (8/24); fully upgraded detached garage with new insulated double door, opener, service door, and storm door (9/25); and a new mini-split AC/heat system (8/25) for year-round comfort. Interior features warm vertical knotty pine, two brick fireplaces, large kitchen with excellent cabinet and counter space, and a unique, spacious layout perfect for entertaining. First floor offers the primary bedroom plus a second bedroom ideal for nursery, office, or guest room. Upstairs includes a large sitting area, two generous bedrooms, and a full bath. Also two skylights in home and two in garage. The park-like yard and extra-large garage complete this beautiful, unique and well-cared-for home.

1945 Saint Clair Blvd Boulevard, Algonac

3 Beds ⋅ 2 Baths ⋅ 20261055305 MLS ⋅ ACTIVE BACKUP Status

Big boats welcome on this wide, deep canal, with no bridges and just minutes to BIG water! Wow! Built by the owner with him choosing some of his favorite craftsmen to complete it with him. While built for he and his wife (who wanted a ranch), there is a HUGE second floor that could be finished with multiple bedrooms. Accessible from the garage ladder, a really nice workshop currently sits above the garage. Located on one of the popular 'bird' streets, this 3 bedroom, (3rd bedroom currently used as den) 2 bathroom home is ready for a second owner to enjoy it immediately. Beautiful deep, wide and free flowing, this canal has no HOA and terrific neighbors! Large, deep, lighted and fully encased concrete crawl space is easily accessible from inside the home, but also offers a big hatch on the outside to easily accomodate large items, (ladders, kayaks, etc.) Air compressor in garage usable from the garage or workshop. Tear off roof in 2024, seawall inspected and repaired 6/2026. Brand new carpet throughout, neutral paint colors, Guardian windows. Toy and yard sheds for outside storage. So perfectly situated near the natural beauty of St. John Marsh, the North Channel, Anchor Bay and Lake St. Clair. Convenient to a lot of offerings but always feeling like you are on vacation the minute you arrive home. While this is an estate, seller is ready willing and able to respond to offers quickly with no delays. Make sure to click on the pictures to see the HUGE unfinished second level!

7236 Bluebill Street, Clay

3 Beds ⋅ 3 Baths ⋅ 20261055141 MLS ⋅ ACTIVE Status

Long live Summer! Own water front and always feel like your on vacation! 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.

7277 Cardinal Street, Algonac

3 Beds ⋅ 2 Baths ⋅ 50215052 MLS ⋅ ACTIVE Status

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

2 Beds ⋅ 1 Baths ⋅ 50214508 MLS ⋅ ACTIVE Status

Welcome home to this well-maintained ranch offering comfortable one-level living in the heart of beautiful Algonac. The open-concept living room, dining area, and kitchen create a bright, welcoming space that's perfect for everyday living and entertaining. The home features **two spacious bedrooms** and a generously sized full bathroom complete with a convenient linen closet. Attractive **laminate flooring flows throughout** the entire home, providing a clean, modern look with easy maintenance. A separate **laundry, utility, and pantry room** adds exceptional storage and organization while providing direct access to the fully fenced backyard. Outdoor enthusiasts and hobbyists will love the backyard amenities, including: A 14' x 20' powered workshop/storage shed with electricity and attic storage—ideal for woodworking, hobbies, a workshop, or additional storage. Second metal storage shed perfect for lawn equipment and garden tools. A cozy firepit area, creating the perfect setting for relaxing evenings with family and friends. Neighborhood children's playground at the end of the street and within easy walking distance of Algonac's scenic St. Clair River Boardwalk and Riverfront Park, you'll enjoy watching freighters pass by, fishing, community events, waterfront dining, and beautiful river sunsets. ### Discover the Algonac Lifestyle Known as the **"Venice of Michigan,"** Algonac sits at the mouth of the St. Clair River and offers one of Michigan's premier waterfront lifestyles. Residents enjoy over 1,800 feet of riverfront boardwalk, charming local shops and restaurants, seasonal festivals, boating, fishing, and some of the best freighter watching in the Great Lakes. The city is also home to a free public boat launch and the renowned Algonac Harbor Club, one of the largest deep-water marinas on the Great Lakes. Boating enthusiasts appreciate the area's numerous nearby marinas and yacht clubs, including: * Algonac Harbor Club * Walpole-Algonac Ferry access to Walpole Island * Several nearby private marinas and boat storage facilities providing quick access to Lake St. Clair and the St. Clair River. ### Education The home is served by **Algonac Community Schools**, a public school district serving approximately **1,300 students** from preschool through 12th grade across four schools. The district maintains an average **student-to-teacher ratio of approximately 17:1**, allowing for personalized instruction while offering a variety of academic opportunities. ### Athletics Algonac High School proudly competes as the **Muskrats**, offering a wide variety of Michigan High School Athletic Association. Whether you're looking for your first home, a downsizing opportunity, or a peaceful place near the water, this move-in-ready ranch offers comfort, functionality, outstanding storage, and the relaxed waterfront lifestyle that makes Algonac one of Michigan's hidden gems.

952 Liberty Street, Algonac

2 Beds ⋅ 1 Baths ⋅ 50214567 MLS ⋅ ACTIVE Status

Experience exceptional waterfront living on the highly sought-after Middle Channel of Lake St. Clair in this beautifully updated Harsens Island ranch offering 50ft of direct waterfront. Whether you’re searching for a full-time residence, weekend retreat, or boating getaway, this move-in-ready waterfront home delivers the lifestyle buyers dream about. Enjoy panoramic water views, spectacular sunrises and sunsets, a steel seawall, expansive waterfront deck, and a private boathouse with dock and boat hoist. The hoist has a 20ft boat on it now but can accommodate much larger making this an outstanding opportunity for boating enthusiasts looking for immediate access to the Middle Channel, St. Clair River, and Lake St. Clair. Inside, the bright open-concept floor plan features 2 bedrooms, 1 full bath, abundant natural light through newer Wallside windows, a spacious family room with a natural gas fireplace, ceramic tile flooring, and an updated eat-in kitchen with bar seating. Stainless steel appliances—including the refrigerator, range, microwave, dishwasher, washer, and dryer—are included. Situated on an impressive 0.52-acre lot (approx 50x450ft), the property offers exceptional outdoor space rarely found on waterfront homes. The deep lot provides exciting possibilities for future expansion, including room for a pole barn, additional storage for boats and recreational equipment, or a future guest suite or living space (subject to township approval and applicable building requirements). The detached 1.5 car garage includes electricity, while public water, septic, cable, and internet service provide modern convenience. Seller is offering concessions toward flooring and deck improvements, providing buyers an excellent opportunity to personalize the home while enjoying immediate waterfront living.

7054 Middle Channel Lane, Not Provided

4 Beds ⋅ 3 Baths ⋅ 50214348 MLS ⋅ ACTIVE Status

Great opportunity to own a private wooded retreat with a true in-law suite on 2.44 acres in desirable Clay Township. Beautifully maintained and move-in ready, this ranch offers over 2,000 square feet, 4 bedrooms, 3 full bathrooms, and a highly sought-after split-bedroom floor plan that provides both comfort and flexibility. The standout feature is the private in-law suite, thoughtfully designed to offer comfort, privacy, and independence. Complete with its own spacious bedroom, full bathroom, sitting area, walk-in closet, private door wall leading to its own deck, and separation from the main living areas, this exceptional space is ideal for aging parents, adult children, extended family, long-term guests, or anyone seeking a private retreat. At the heart of the home, cathedral ceilings and a cozy gas fireplace create a warm, inviting atmosphere in the spacious great room. The open layout flows seamlessly into the dining area and kitchen, offering plenty of cabinet and counter space for everyday living and entertaining. Three additional bedrooms, one being another master suite with full bath and tub! Step outside and enjoy the peace and privacy that only 2.44 wooded acres can provide. Whether you're relaxing on the deck, entertaining family and friends, exploring the wooded property, or simply enjoying the abundant wildlife, this home offers the perfect balance of privacy and outdoor living. Modern conveniences including natural gas, public water, an attached two-car garage, and a paved road provide all the comforts of home while maintaining a peaceful country setting. If you've been searching for a move-in ready ranch with acreage, a true private in-law suite, flexible living space, and a setting that feels like your own personal retreat, this is a home you won't want to miss. Algonac Public schools!

6580 Swartout Road, Not Provided

4 Beds ⋅ 2 Baths ⋅ 20261050985 MLS ⋅ ACTIVE Status

Updated Spacious 4 bedroom colonial! Totally updated kitchen with new cabinets, counters, fixtures and stainless steel appliances. Both bathrooms updated. Oversized attached garage 27 x 24 with additional shed in backyard. This home sits on 2 lots and backs up to two more undeveloped lots. Lots of room to roam. Enjoy the covered front porch. Crawl space encapsulated and sump installed by Foundation Systems of Michigan in 2018. Enjoy the Clay Township Park with music in the park and walking distance from home. Occupancy negotiable.

9472 Lakepointe Boulevard, Clay

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