1040 Summer St, Algonac, MI 48001 Property Records

St. Clair County property record for 1040 Summer St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 988 sqft
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$142,000 (Dec 2020)
Tax Bill	$2,873 (2024)
Deeds & Mortgages	Sep 2020 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`74-01-107-0060-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-107-0060-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	988 sqft Living Area

Exterior

Architectural Style	Ranch
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	212 ft deep x 68 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	74011070060000
Street Address	1040 SUMMER ST
City	ALGONAC
State	MI
Zip	48001-1294
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	NW 68' OF SE 150' OF OUTLOT D LYING NE OF NE LINE OF SUMMER ST EXTD ALGONAC ASSESSORS PLAT SEC 10 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	10
Legal Subdivision	ASSESSORS
Legal Lot Number	D
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3002
Census Tract	649000

Owner

Source: St. Clair County assessment roll, as of March 1, 2025

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	1040 SUMMER ST, ALGONAC, MI 48001-1294
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Aug 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN ST HSNG DEV AUTH
Dec 16, 2020	Warranty Deed, Transfer VISIONARY TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 16, 2020 · Amount on Record
Deed Sale	Dec 16, 2020 · Amount on Record
Prior Sale	Dec 12, 2016 · Amount on Record
Deed Document Number	2020031967
Deed Book / Page	5289 / 373
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1040 SUMMER ST, ALGONAC, MI 48001-1294
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 SUMMER ST, ALGONAC, MI 48001-1294

Mortgage

Document Number	0052360707
Date	Sep 4, 2020
Book Page	5236/707
Instrument	2020021451

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1040 SUMMER ST, ALGONAC, MI 48001-1294
Document Number	0052360724
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 SUMMER ST ALGONAC MI 480011294, ALGONAC, MI 48001-1294

Mortgage

Document Number	0052360724
Date	Sep 4, 2020
Book Page	005236/000724

Lender

Name	MICHIGAN ST HSNG DEV AUTH
Address	LANSING, MI 48912

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 16, 2020
Property Address	1040 SUMMER ST, ALGONAC, MI 48001-1294
Document Number	0005289373
Book / Page	5289 / 373
Map Reference	LB 49 PG 8
Instrument Date	Aug 28, 2020
Instrument	2020031967
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	VISIONARY TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$1,065.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1040 SUMMER ST, 1040, ALGONAC, MI 48001-1294

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 SUMMER ST, ALGONAC, MI 48001-1294

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Algonac City
County	St. Clair County
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$83,500 (+15.65%)
2024	$2,873.00 (+12.98%)		$167,000 (+15.65%)
2023		$72,200
2022	$2,543.00		$144,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Aug 2000 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ALGONAC serves 4,110 people · EPA ID MI0000110
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 290 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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