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Jenn Smart

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523 Lathrop , Algonac, MI 48001
$1,299,900
Est. Payment: $6,773.96/mo
3 Bed
4 Bath
3623 Sqft
Status: pending | Days on site: 113
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

523 & 521 Lathrop are being sold as together as one incredible waterfront opportunity!! 01-152-0002-000, and 01-152-0001-000. Experience true waterfront living on the highly sought-after North Channel! Situated on a rare double lot with nearly 500 feet of seawall, this extraordinary waterfront estate offers approximately 3,700 square feet of living space and is completely surrounded by water, delivering breathtaking panoramic water views from every single window in the home. From the moment you enter, you’ll appreciate the soaring vaulted ceilings, expansive living spaces, beautiful updated hardwood flooring, freshly repainted interior, and timeless architectural character throughout. Designed to maximize the incredible waterfront setting, the home features multiple exterior balconies and incredible indoor and outdoor entertaining spaces that capture the beauty of the river from every angle. This home offers four fireplaces throughout the property, including stunning double-sided fireplaces that create warmth and ambiance between major living spaces. Fireplaces are featured in the dining room, living room, primary bedroom, and the incredible observatory-style room that may become your favorite retreat in the entire home. The kitchen is appointed with granite countertops and flows seamlessly into the entertaining areas, including one of the most unforgettable features of the property — an incredible waterfront wet bar positioned directly along the riverfront windows, creating an atmosphere that feels straight out of a classic James Bond movie. Outside, the property continues to impress with newer concrete, a beautiful concrete and brick paver fire pit area, and extensive docking accommodations for serious boaters. The sale includes two boat lifts, including one previously used for a 50-foot Sea Ray yacht and another capable of handling approximately a 25-30 foot boat. Whether you’re heading out for a sunset cruise or entertaining along the water, this property was built for the ultimate waterfront lifestyle. Additional highlights include a whole-house generator, an additional buildable lot included in the sale, and one of the most unique waterfront settings available on the market today. Located just minutes from downtown Algonac, waterfront dining, marinas, and easy access to the St. Clair River, Anchor Bay, and beyond, this is truly a once-in-a-generation opportunity to own one of the area’s most remarkable waterfront properties. Bring all offers!!!

Highlights

Listed by Jeremiah Glowski , 810-278-3654 and Olivia Brancato , 586-612-3013 Berkshire Hathaway HomeServices Kee Realty NB , 586-315-5700. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
0.66

Year Built

1982

County

St. Clair

Area

Algonac (74028)

Neighborhood

Mariners Pointe

School District

Algonac Community School District

Listing ID

50207103

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Central Vacuum, Dishwasher, Disposal, Dryer, Microwave, Range/Oven, Refrigerator, Trash Compactor, Washer
Air Cond:Central A/C
Fireplaces:DinRoom Fireplace,FamRoom Fireplace,LivRoom Fireplace,Primary Bedroom Fireplace
Above Ground Sq Ft:3623
Below Ground Sq Ft:0
Other:
  • Additional:Whirlpool/Hot Tub, 9 ft + Ceilings, Interior Balcony, Bay Window, Cathedral/Vaulted Ceiling, Hardwood Floors, Spa/Jetted Tub, Sump Pump, Walk-In Closet, Wet Bar/Bar, No Restrictions
Water:Public Water

Exterior Features

Lot:Deep Lot - 150+ Ft.,Large Lot - 65+ Ft.
Lot Dimensions:250x224x227x70
Zoning:Residential
Others:
  • Additional:Exterior Balcony, Deck, Patio, Porch, Street Lights
Sewer:Public Sanitary
Parking Features:Attached Garage,Electric in Garage,Gar Door Opener,Heated Garage,Workshop,3 or More Spaces,Covered Parking,Garage,Lighted
Principal Interest
$6,774
Taxes
$619

Home Price

$1,299,900

Loan Details

30 yrs
6.792%

Down Payment

20%
$259,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$6,773.96

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,773.96 $619.33 $0.00 $7,393.29
Yearly $81,287.52 $7,432.00 $0.00 $88,719.52
Total $2,438,625.49 $222,960.00 $0.00 $2,661,585.49
Lender profile image
So-Crates Johnson
Dust, Wind, Dude
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Market insight data is pulled from the same city as the listing being viewed (Algonac, MI).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

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Data last updated: 2026-09-02T01:10:54.300Z

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