1073 Summer St, Algonac, MI 48001 Property Records

St. Clair County property record for 1073 Summer St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,334 sqft · built 1972
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$182,000 (Aug 2023)
Tax Bill	$1,944 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`74-01-153-0016-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-153-0016-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,334 sqft Living Area
1st Floor Area	1,334 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	792 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1073 SUMMER ST
City	ALGONAC
State	MI
Zip	48001-1295
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 17 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	17
Legal Unit	17
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 December 23, 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	1109 MARKET ST, ALGONAC, MI 48001-1420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MORTGAGE 1 INC
Aug 15, 2023	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 INC
Sep 28, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2023 · Amount on Record
Deed Sale	Aug 15, 2023 · Amount on Record
Prior Sale	Feb 27, 2006 · Amount on Record
Deed Document Number	202314494
Prior Transfer Date	Sep 22, 2022
Prior Transfer Doc	0005565529
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1073 SUMMER ST, ALGONAC, MI 48001-1295
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 MARKET ST, ALGONAC, MI 48001-1420

Mortgage

Document Number	0005646583
Date	Aug 15, 2023
Book Page	5646/583
Instrument	2023014496

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 15, 2023
Property Address	1073 SUMMER ST, ALGONAC, MI 48001-1295
Document Number	0005646571
Book / Page	5646 / 571
Map Reference	LB 73 PG 7
Instrument Date	Jul 24, 2023
Instrument	2023014494
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	PREMIER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8889 FIELD RD, CLAY, MI 48001-3801

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1109 MARKET ST, ALGONAC, MI 48001-1420

Mortgage

Document Number	2023014495
Date	Aug 15, 2023
Instrument	2023014495

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

Mortgage

Document Number	0005645714
Date	Aug 14, 2023
Book Page	5645/714
Instrument	2023014303

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 28, 2022
Property Address	1073 SUMMER ST, ALGONAC, MI 48001-1295
Document Number	0005565529
Book / Page	5565 / 529
Map Reference	LB 73 PG 7
Instrument Date	Sep 22, 2022
Instrument	2022022415
Transaction Type	Transfer
Record Updated	Oct 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8889 FIELD RD, 8889, CLAY, MI 48001-3801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8889 FIELD RD, CLAY, MI 48001-3801

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	$1,944.00 (-39.15%) Homeowner's exemption	$82,900 (+14.98%)
2024	$3,195.00 (+67.37%)		$165,800 (+14.98%)
2023		$72,100
2022	$1,909.00		$144,200

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.

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.

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