1056 Howard St, Algonac, MI 48001 Property Records

St. Clair County property record for 1056 Howard St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,376 sqft · built 1972
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Tax Bill	$1,012 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`74-01-153-0044-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-153-0044-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	1,376 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 60.5 ft wide
Garage Area	720 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1056 HOWARD ST
City	ALGONAC
State	MI
Zip	48001-1268
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 45 R J MONTE ESTATES SUBDIVISION
Legal Subdivision	R J MONTE ESTATES SUBDIVISION
Legal Lot Number	45
Legal Unit	45
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3005
Census Tract	649000

Owner

Source: St. Clair County assessment roll, as of October 7, 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	1056 HOWARD ST, ALGONAC, MI 48001-1268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 18, 2014
Deed Sale	Aug 18, 2014
Prior Sale	Apr 16, 2007 · Amount on Record
Deed Document Number	201418044
Deed Book / Page	4529 / 316
Prior Transfer Date	Jul 24, 2014
Prior Transfer Doc	4529/316
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 2, 2026
Property Address	1056 HOWARD ST, ALGONAC, MI 48001-1268
Document Number	0000013428
Book / Page	5939 / 843
Instrument Date	Jun 13, 2026
Instrument	202613428
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1056 HOWARD ST, ALGONAC, MI 48001-1268

Mortgage

Document Number	0000013428,
Date	Jul 2, 2026
Book Page	5939/843
Instrument	202613428

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.36%
Max Rate	-1%

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 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	$1,012.00 (-36.43%) Homeowner's exemption	$86,300 (+15.22%)
2024	$1,592.00 (+13.71%)		$172,600 (+15.22%)
2023		$74,900
2022	$1,400.00		$149,800

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 100 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	None beyond ember reach

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 USA Fixed Wireless	100 / 20

May also be available: Verizon.

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