1072 Howard St, Algonac, MI 48001 Property Records

St. Clair County property record for 1072 Howard St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,110 sqft
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Jan 2020)
Tax Bill	$2,638 (2024)
Deeds & Mortgages	Jan 2020 Sale & Mortgage May 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`74-01-153-0040-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-153-0040-000`

Interior

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

Exterior

Architectural Style	Ranch
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	120 ft deep x 60.5 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	74011530040000
Street Address	1072 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 41 R J MONTE ESTATES SUBD SEC 10 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	10
Legal Subdivision	R J MONTE ESTATES SUBD
Legal Lot Number	41
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3005
Census Tract	649000

Owner

Source: St. Clair County records, as of October 6, 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 Record
Mailing Address	1072 HOWARD ST, ALGONAC, MI 48001-1268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2020	Warranty Deed, Transfer · FHA Mortgage FIRST STATE BANK
May 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK/ESTN MI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2020 · Amount on Record
Deed Sale	Jan 30, 2020 · Amount on Record
Deed Document Number	2020002736
Deed Book / Page	5147 / 487
Record Updated	Jun 8, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 30, 2020
Property Address	1072 HOWARD ST, ALGONAC, MI 48001-1268
Document Number	0005147487
Book / Page	5147 / 487
Map Reference	LB 73 PG 7
Instrument Date	Jan 24, 2020
Instrument	2020002736
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1072 HOWARD ST, ALGONAC, MI 48001-1268

Mortgage

Document Number	2020002737
Date	Jan 30, 2020
Instrument	2020002737

Lender

Name	FIRST STATE BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1072 HOWARD ST, ALGONAC, MI 48001-1268
Document Number	0049560705
Instrument Date	May 19, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1072 HOWARD ST ALGONAC MI 480011268, ALGONAC, MI 48001-1268

Mortgage

Document Number	0049560705
Date	Jun 13, 2018
Book Page	004956/000705

Lender

Name	FIFTH THIRD BK/ESTN MI
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$75,600 (+15.42%)
2024	$2,638.00 (+12.83%)		$151,200 (+15.42%)
2023		$65,500
2022	$2,338.00		$131,000

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	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.

Nearby Properties on Howard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures