1047 Howard St, Algonac, MI 48001 Property Records

St. Clair County property record for 1047 Howard St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,110 sqft · built 1972
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$12,000 (Jan 2013)
Tax Bill	$4,585 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Mar 2022 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`74-01-113-0037-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-113-0037-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,110 sqft Living Area
1st Floor Area	1,110 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	816 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1047 HOWARD ST
City	ALGONAC
State	MI
Zip	48001-1288
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	ELY 1/2 OF NLY 1/2 OF LOT 36 ASSESSORS REPLAT OF LOTS 51 TO 60 INC & A PART OF LOT 50 ALGONAC ASSESSORS PLAT SEC 10 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	10
Legal Subdivision	ASSESSORS
Legal Lot Number	36,51
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3006
Census Tract	649000

Owner

1047 Howard St is owned and occupied by an individual who acquired it in March 2022.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	1047 HOWARD ST, ALGONAC, MI 48001-1288
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Land Contract, Transfer · Land Contract NOT AVAILABLE
Mar 17, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 27, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Aug 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2013 · Amount on File
Deed Sale	Jan 3, 2013 · Amount on File
Prior Sale	Dec 20, 2012 · Amount on File
Deed Book / Page	4342 / 137
Last Transfer Date	Mar 11, 2022
Transfer Doc	0005499665
Record Updated	Oct 29, 2026

June 2023: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 26, 2023
Property Address	1047 HOWARD ST, ALGONAC, MI 48001-1288
Document Number	0005632127
Book / Page	5632 / 127
Instrument Date	Jun 26, 2023
Instrument	2023011251
Transaction Type	Transfer
Record Updated	Jul 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4880 STONEY CREEK RD, KENOCKEE, MI 48006-3614
Investor	Possibly a Property Investor

Mortgage

Date	Jun 26, 2023

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount on Record

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 17, 2022
Property Address	1047 HOWARD ST, ALGONAC, MI 48001-1288
Document Number	0005499665
Book / Page	5499 / 665
Map Reference	LB 60 PG 8
Instrument Date	Mar 11, 2022
Instrument	2022006485
Transaction Type	Transfer
Record Updated	Apr 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9499 PHELPS RD, 9499, CLAY, MI 48001-4350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9499 PHELPS RD, CLAY, MI 48001-4350

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1047 HOWARD ST, ALGONAC, MI 48001-1288
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4853/410
Date	Jul 27, 2017
Book Page	4853/410
Instrument	2017018387

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 3, 2047

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1047 HOWARD ST, ALGONAC, MI 48001-1288
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5081312
Date	Aug 1, 2019
Book Page	5081/312
Instrument	2019015597

Lender

Name	HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1047 Howard St was $4,585, up 2.3% from the year before.

Source: St. Clair County assessment roll, as of September 17, 2026

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
2026		$84,600 (+4.06%)	$169,200
2025	$4,585.00 (+2.34%)	$81,300
2024	$4,480.00		$162,600
2023		$70,600 (+9.63%)
2022	$1,843.00 (+3.31%)	$64,400	$141,200 (+9.63%)
2021	$1,784.00		$128,800

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

Flood

FEMA maps place 1047 Howard St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 1047 Howard St is low, with a 0.01% annual chance of 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 360 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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