St. Clair County property record for 1003 Smith St, Algonac, MI 48001 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Year Built | Built 1987 |
| Square Footage | 988 sqft Living Area |
| Lot Size | 22,216 sqft (0.51 acres) |
| Garage | 676 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $156,000 (2026) |
| Tax Bill | $887.00 (2025) |
| Primary APN | 74-01-107-0054-000 |
|---|
| Full Baths | 1 Baths |
|---|---|
| Building Area | 988 sqft Living Area |
| 1st Floor | 988 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch Style |
| Lot Area | 22,216 sqft (0.51 acres) |
| Depth X Width | 298 ft x 75 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Area | 676 sqft Garage |
| Heating System | Forced Air with Air Conditioning Heating |
|---|
| Street Address | 1003 SMITH ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1291 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SELY 75' OF NWLY 150' OF OUTLOT B ALGONAC ASSESSORS PLAT SEC 10 T2N R16E |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 10 |
| Legal Subdivision | ASSESSORS |
| Legal Lot Number | B |
| Legal Unit | B |
| Jurisdiction | SAINT CLAIR MI |
| Minor Civil Division | ALGONAC |
| Census Blockgroup | 3 |
| Census Block | 3000 |
| Census Tract | 649000 |
Source: St. Clair County records · APN 74-01-107-0054-000
Assessment roll updated October 7, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12183 DUNN RD, RILEY, MI 48041-1206 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 23, 2025 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Jan 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Sep 23, 2025 | Intrafamily Transfer, Transfer LAWYERS TITLE, LAWYERS TITLE INSURANCE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 29, 2026 · Amount on Record |
| Deed Sale | Jan 29, 2026 · Amount on Record |
| Deed Doc Number | 20261994 |
| Deed Book / Page | 5893 / 556 |
| Prior Transfer Date | Dec 03, 2003 |
| Prior Transfer Doc | 0005853406 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 1003 SMITH ST, ALGONAC, MI 48001-1291 |
| Transaction Type | Mortgage |
| Record Updated | Jan 06, 2026 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE |
| Name | Verified Name |
|---|---|
| Address | 12183 DUNN RD, RILEY, MI 48041-1206 |
| Document Number | 0005883150 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | 5883/150 |
| Instrument | 2025024548 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | 101 SOUTH TRYON STREET, CHARLOTTE, NC 28280 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 29, 2026 |
| Property Address | 1003 SMITH ST, ALGONAC, MI 48001-1291 |
| Document Number | 0005893556 |
| Book / Page | 5893 / 556 |
| Map Reference | LB 49 PG 8 |
| Instrument Date | Dec 18, 2025 |
| Instrument | 2026001994 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Title Company | LIBERTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1003 SMITH ST, ALGONAC, MI 48001-1291 |
| Name | Verified Name |
|---|---|
| Address | 12183 DUNN RD, RILEY, MI 48041-1206 |
| Document Number | 2025024548 |
|---|---|
| Date | Jan 29, 2026 |
| Instrument | 2025024548 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Sep 23, 2025 |
| Property Address | 1003 SMITH ST, ALGONAC, MI 48001-1291 |
| Document Number | 0005853406 |
| Book / Page | 5853 / 406 |
| Map Reference | LB 49 PG 8 |
| Instrument Date | Dec 03, 2003 |
| Instrument | 2025017965 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Title Company | LAWYERS TITLE, LAWYERS TITLE INSURANCE CORP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1003 SMITH ST, ALGONAC, MI 48001-1291 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1003 SMITH ST, ALGONAC, MI 48001-1291 |
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Algonac City |
| County | St. Clair County |
| Unified School District | Algonac Community School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $887.00 (-34.78%) Homeowner's exemption | $76,900 (+15.81%) | |
| 2024 | $1,360.00 (+12.96%) | $153,800 (+15.81%) | |
| 2023 | $66,400 | ||
| 2022 | $1,204.00 | $132,800 |
1003 Smith St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · St. Clair County (26147C), updated July 20, 2022
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 52nd in Michigan |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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