1093 Summer St, Algonac, MI 48001 Property Records

St. Clair County property record for 1093 Summer St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,220 sqft
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$207,500 (May 2021)
Tax Bill	$4,411 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`74-01-153-0021-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-153-0021-000`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,220 sqft Living Area
1st Floor Area	1,110 sqft

Exterior

Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60.5 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1093 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 22 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	22
Legal Unit	22
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	1093 SUMMER ST, ALGONAC, MI 48001-1295
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE CENTER LLC
Mar 28, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2021 · Amount on Record
Deed Sale	May 20, 2021 · Amount on Record
Deed Document Number	202115322
Deed Book / Page	5368 / 787
Prior Transfer Date	Mar 18, 2019
Prior Transfer Doc	0000005459
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 20, 2021
Property Address	1093 SUMMER ST, ALGONAC, MI 48001-1295
Document Number	5368787
Book / Page	5368 / 787
Map Reference	LB 73 PG 7
Instrument Date	May 7, 2021
Instrument	2021015322
Transaction Type	Transfer
Record Updated	Jun 4, 2021
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,556.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1093 SUMMER ST, 1093, ALGONAC, MI 48001-1295

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 SHELDON ST, ALGONAC, MI 48001-1242

Mortgage

Document Number	2021015323
Date	May 20, 2021
Instrument	2021015323

Lender

Name	MORTGAGE CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 28, 2019
Property Address	1093 SUMMER ST, ALGONAC, MI 48001-1295
Document Number	0005041632
Book / Page	5041 / 632
Map Reference	LB 73 PG 7
Instrument Date	Mar 18, 2019
Instrument	2019005459
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	FIRST TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1093 SUMMER ST, ALGONAC, MI 48001-1295

Mortgage

Document Number	2019005460
Date	Mar 28, 2019
Instrument	2019005460

Lender

Name	CHEMICAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.25%

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		$125,700 (+3.71%)	$251,400 (+3.71%)
2025	$4,411.00 (+2.46%) Homeowner's exemption	$121,200 (+15.21%)
2024	$4,305.00 (+12.4%)		$242,400 (+15.21%)
2023		$105,200
2022	$3,830.00		$210,400

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.

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