1077 Summer St, Algonac, MI 48001 Property Records

St. Clair County property record for 1077 Summer St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,118 sqft · built 1974
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (May 2026)
Tax Bill	$2,387 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`74-01-153-0017-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-153-0017-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,118 sqft Living Area
1st Floor Area	1,118 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60.5 ft wide
Garage Area	660 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1077 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 18 R.J. MONTE ESTATES SUBDIVISION
Legal Subdivision	R J MONTE ESTATES SUBDIVISION
Legal Lot Number	18
Legal Unit	18
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 September 17, 2026

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	115 HANSEN CT, CLAY, MI 48001-4619
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONAL HOME MORTGAGE CORPORATION
Aug 17, 2018	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE CENTER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Aug 17, 2018 · Amount on Record
Deed Document Number	20268951
Deed Book / Page	5920 / 346
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 1, 2026
Property Address	1077 SUMMER ST, ALGONAC, MI 48001-1295
Document Number	0005920346
Book / Page	5920 / 346
Instrument Date	Apr 10, 2026
Instrument	20268951
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NATIONAL TITLE GROUP, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$147,712.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	115 HANSEN CT, CLAY, MI 48001-4619

Mortgage

Document Number	0000008952,
Date	May 1, 2026
Instrument	20268952

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 1, 2026
Property Address	1077 SUMMER ST, ALGONAC, MI 48001-1295
Document Number	0000008951
Book / Page	5920 / 346
Instrument Date	Apr 10, 2026
Instrument	2026.8951
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$147,712.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	115 HANSEN CT, CLAY, MI 48001-4619

Mortgage

Document Number	0000008952,
Date	May 1, 2026
Instrument	2026..8952

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 17, 2018
Property Address	1077 SUMMER ST, ALGONAC, MI 48001-1295
Document Number	0004979363
Book / Page	4979 / 363
Map Reference	LB 73 PG 7
Instrument Date	Aug 8, 2018
Instrument	2018018604
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$602.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	833 WASHINGTON ST, 833, BANGOR, MI 49013-1155

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7956 STARVILLE RD, COTTRELLVILLE, MI 48039-2908

Mortgage

Document Number	2018018605
Date	Aug 17, 2018
Instrument	2018018605

Lender

Name	MORTGAGE CENTER

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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		$76,800 (+3.92%)	$153,600 (+3.92%)
2025	$2,387.00 (+2.05%) Homeowner's exemption	$73,900 (+15.65%)
2024	$2,339.00 (+13.1%)		$147,800 (+15.65%)
2023		$63,900
2022	$2,068.00		$127,800

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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