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

4 Beds ⋅ 3 Baths ⋅ 50219011 MLS ⋅ ACTIVE Status

YOUR OWN PRIVATE RETREAT ON OVER 5 ACRES yet only 10 minutes from the vibrant downtown New Baltimore! This impressive 2,800 sq. ft. brick ranch-style home offers the space, privacy, and outdoor lifestyle that are increasingly hard to find. At the heart of the property is a picturesque, treated pond—your own escape for cooling off on summer days, relaxing by the water, or simply enjoying the view. On the main level you'll find 3 bedrooms and 2 full baths, generous living spaces, and plenty of room to gather. The spacious kitchen is a baker's dream with double ovens, a butcher block island and a breakfast nook offering peaceful views of the yard. The family room has large windows to take in the pond view and a double-sided gas fireplace to add warmth and character. The large dining area can fit all your guests and has a glass door to the covered patio. The first-floor laundry room offers generous storage and ample folding space. Upstairs, you'll find a private guest bedroom with its own full bath. Downstairs is a partially finished basement offering even more possibilities for recreation, entertaining, hobbies, and storage. The more than five acres gives you room to spread out and enjoy country living. The fenced area is perfect for your pet. There is also a garden area, mature trees, and a new shed. The side-entry 3-car attached garage provides abundant room for vehicles, tools, and toys. The home also features geothermal heating (pump replaced 4 years ago), central air, whole house generator, AND city water!—an important combination of comfort, efficiency, and thoughtful maintenance.

7777 Markel Road, Not Provided

3 Beds ⋅ 2 Baths ⋅ 50218715 MLS ⋅ ACTIVE Status

Welcome to 8938 Marsh Rd. in Clay Township! Situated on approximately 5.5 acres, this 3-bedroom, 2-bath home offers plenty of space inside and out. The home features a large living room and a bright sunroom offering flexible additional living space—perfect for a formal dining room, family room, home office, or sitting area. This property is also within walking distance to Algonquin Elementary School, adding everyday convenience to its peaceful country setting. Outside, enjoy the expansive property with a fenced-in area for dogs, greenhouse, classic wooden barn, chicken coop, and goat enclosure. In the rear of the property, you’ll also find a small orchard featuring 2 cherry trees, 3 peach trees, 3 apple trees, 1 plum tree, and 2 pear trees, offering seasonal fruit and a charming homestead feel. Enjoy the peaceful setting and acreage of country living while still being conveniently located in Clay Township. With 5.5 acres and multiple outbuildings, 8938 Marsh Rd. offers a unique opportunity to make this property your own!

8938 Marsh Road, Not Provided

3 Beds ⋅ 1 Baths ⋅ 20261061050 MLS ⋅ ACTIVE Status

Don’t miss this incredible opportunity on Harsens Island! This 3-bedroom, 1-bath home offers 1,128 sq. ft. and an exceptional amount of land with **four lots included in the sale**! A large triple lot located next door is included, offering plenty of room to expand, create additional outdoor space, or explore future building possibilities. **So much value in the land!**The existing home offers a fantastic opportunity for someone looking to renovate and make it their own, or consider starting fresh and building a new home. The property is located in the desirable **South Channel area of Harsens Island**, surrounded by the natural beauty and recreational lifestyle that make island living so special. Enjoy easy access to boating, fishing, kayaking, wildlife viewing, birding and the waterways of the St. Clair River and Lake St. Clair.Harsens Island offers a peaceful, laid-back setting while still being accessible by ferry from the mainland. With its scenic waterways, outdoor recreation and unique island community, it’s a wonderful destination for a year-round residence, weekend getaway or future investment.Water is available at the street. The home currently has well water, but the well pump needs to be replaced. Extensive repairs are needed on the home and heavy renovations would be needed. Property and additional lot information should be independently verified by the buyer. Four lots for the price of one! Bring your vision and take advantage of this rare opportunity to own a substantial piece of Harsens Island! See photos for additional lot outline. Large lot next door is 0.48 Acres and House lot is 0.14 acres. Total acreage of sale is 0.62

259 William Street, Not Provided

3 Beds ⋅ 2 Baths ⋅ 50217620 MLS ⋅ ACTIVE Status

New Listing! Spacious open-concept ranch situated on just over 1/2 acre, backing to a beautiful wooded setting for added privacy. Inside, you'll find durable wide-plank vinyl flooring and overhead lighting throughout the living room and kitchen. The kitchen features classic maple cabinetry, granite countertops, stainless steel appliances, and a door wall leading to a spacious 20' x 16' wood deck overlooking the backyard and wooded area—perfect for relaxing or entertaining. All three bedrooms offer generous closet space and ceiling fans for added comfort. The oversized 3-car garage includes a 220-volt outlet for a welding hookup, a separate hook up for a generator directly to fuse panel, as well as a 30-amp camper hookup. A large stone driveway pad alongside the garage provides plenty of space for a camper, boat, or additional vehicles. Conveniently located near marinas and a DNR boat launch, this home is ideal for outdoor enthusiasts. Easy to show! Please excuse the boxes,sellers are in the process of packing. Occupancy may be sooner.

9475 Folkert Road, Algonac

4 Beds ⋅ 2 Baths ⋅ 50217252 MLS ⋅ ACTIVE Status

It’s not every day that a home like this comes on the market. This custom-colonial has been lovingly maintained by its original owners and now, it’s your turn to own a piece of paradise. Built in 2004, this 2,309 square foot home delivers space, convenience and peaceful waterfront views with an impressive 110 feet of canal frontage. Set back in the water lined streets and just moments from the St. Clair River, this home offers direct boating access with 2 boat hoists and a rare opportunity for year-round living with whole house generator or a perfect vacation retreat. Experience the stunning Views from the primary bedroom balcony overlooking the canal stretching out toward the river. Entertain your friends & family from the large deck, with awning. This meticulously kept home features practical space throughout, generous storage and an exceptionally pristine garage that would impress only the ultimate hobbyist. With so many thoughtful features throughout-you really need to see it for yourself. Escape into a home that feels easy, comfortable and carries you away from the rush of everyday life. Includes CITY WATER! Your Summer Starts Now! (Excludes Security Cameras and Boats) **SELLER IS ALSO OPEN TO OFFERS ON THE ADJACENT 70' X 85' VACANT LOT FEATURING WIDE CANAL FRONTAGE, A BOAT HOIST AND A STORAGE SHED-AN EXCELLENT OPPORTUNITY TO EXPAND YOUR WATERFRONT FOOTPRINT. RECENTLY APPRAISED AT $120K- PARCEL#14-856-0101-000**

7080 Sax Street, Not Provided

2 Beds ⋅ 3 Baths ⋅ 20261058953 MLS ⋅ ACTIVE BACKUP 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

4 Beds ⋅ 2 Baths ⋅ 50214898 MLS ⋅ ACTIVE Status

Beautifully maintained 2800 sq ft 4-bed, 2-bath home on a double lot just blocks from Downtown Algonac, the boardwalk, city pool, parks, and waterfront fun. Warm knotty pine, two brick fireplaces, a large kitchen, and a flexible layout make this home perfect for entertaining, working from home, or an in-home daycare. First-floor primary plus versatile second bedroom; upstairs offers two spacious bedrooms, full bath, and sitting area. Major updates: new roof (9/23) with 50-yr warranty, new gutters/gutter guards, six skylights, three custom storm doors (8/24), fully upgraded detached garage (9/25), and new mini-split AC/heat (8/25). Park-like yard and oversized garage ideal for storage, hobbies, or golf carts, e-bikes, and ATVs—popular ways to get around this friendly, family-oriented community.

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 ⋅ 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 ⋅ 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

Rare opportunity in Clay Township! This 4-bedroom, 3-full-bath ranch offers over 2,000 square feet of living space on 2.44 private, wooded acres, including including an exceptionally spacious private in-law suite with its own sitting area, bedroom space, full bath, walk-in closet, doorwall and private deck. The separate suite features its own living area, bedroom, full bath, doorwall, and private deck, creating a comfortable and independent space for family or guests. The main home offers a spacious, functional layout with plenty of natural light and room to gather. Outside, enjoy the privacy and flexibility of a large wooded property with plenty of space to relax, entertain, garden, or simply enjoy the outdoors. A hard-to-find combination of acreage, single-level living, and separate living quarters—all while remaining convenient to area shopping, dining, schools, and the waterfront communities of Clay Township and Algonac.

6580 Swartout Road, Not Provided

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