1320 Howard St, Port Huron, MI 48060 Property Records

St. Clair County property record for 1320 Howard St, Port Huron, MI 48060

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,188 sqft · built 1920
Lot Size	0.153 acres (6,665 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Sep 2017)
Tax Bill	$2,441 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-06-743-1679-000`

Property Details

APN / Parcel Number

Primary APN	`74-06-743-1679-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,188 sqft Living Area
1st Floor Area	1,115 sqft
Basement Area	1,003 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	6,665 sqft (0.153 acres)
Lot Dimensions	131 ft deep x 51 ft wide
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1320 HOWARD ST
City	PORT HURON
State	MI
Zip	48060-5113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 4 BLK 181 WHITE PLAT
Legal Subdivision	WHITE PLAT SUB
Legal Block	181
Legal Lot Number	4
Legal Unit	4
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	PORT HURON
Census Block Group	2
Census Block	2016
Census Tract	622000

Owner

1320 Howard St is owned and occupied by an individual who bought it in September 2017.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	1320 HOWARD ST, PORT HURON, MI 48060-5113
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Deed of Trust, Mortgage · Line of Credit ADVIA CU
Sep 26, 2017	Warranty Deed, Transfer · Conventional with PMI MORTGAGE CTR LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2017 · Amount on File
Deed Sale	Sep 26, 2017 · Amount on File
Deed Document Number	201722931
Prior Transfer Date	Feb 4, 2009
Prior Transfer Doc	003913/660
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1320 HOWARD ST, PORT HURON, MI 48060-5113
Transaction Type	Mortgage
Record Updated	Sep 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 HOWARD ST, PORT HURON, MI 48060-5113

Mortgage

Document Number	0005556957
Date	Aug 30, 2022
Book Page	5556/957
Instrument	2022020324

Lender

Name	ADVIA CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 29, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 26, 2017
Property Address	1320 HOWARD ST, PORT HURON, MI 48060-5113
Document Number	0048730170
Book / Page	004873 / 000170
Instrument Date	Sep 14, 2017
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$989.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1816 MARTIN AVE #1 PORT HURON MI 480604900, 1, PORT HURON, MI 48060-4900

Mortgage

Document Number	48730171
Date	Sep 26, 2017
Book Page	004873/000171

Lender

Name	MORTGAGE CTR LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1320 Howard St was $2,441 with a homeowner's exemption, up 2.7% from the year before.

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
Municipality	Port Huron City
Unified School District	Port Huron Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$93,200 (+4.84%)	$186,400
2025	$2,441.00 (+2.69%) Homeowner's exemption	$88,900
2024	$2,377.00		$177,800
2023		$74,400
2022	$2,024.00		$148,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1320 Howard St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1320 Howard St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 PORT HURON serves 28,983 people · EPA ID MI0005480
Water Source	Surface water
Last State Inspection	Nov 2021
Lead	5 ppb (2021–2023) 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 762 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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