St. Clair County property record for 320 Mill St, Algonac, MI 48001 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Lot Size | 0.214 acres |
| Occupancy | Owner Occupied |
| Last Sale | $235,000 (2024) |
| Tax Bill | $2,855.00 (2025) |
| Primary APN | 74-01-129-0119-001 |
|---|
| Lot Area | 9,344 sqft |
|---|
| Street Address | 320 MILL ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1326 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 528 EXC NWLY 1.93' THEREOF SUPERVISOR ROY T GILBERTS PLAT NO 4 ACCORDING TO THE PLAT RECORDED IN LIBER 49 OF PLATS PGS 1-2 ST CLAIR COUNTY REGISTER OF DEEDS |
| Legal Lot Number | 528 |
| Jurisdiction | SAINT CLAIR MI |
| Minor Civil Division | ALGONAC |
| Census Blockgroup | 1 |
| Census Block | 1016 |
| Census Tract | 649000 |
Source: St. Clair County records · APN 74-01-129-0119-001
Assessment roll updated October 7, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 6580 STARVILLE RD, COTTRELLVILLE, MI 48039-1810 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Jul 09, 2024 | Deed of Trust, Mortgage · Second Mortgage to Cover Down Payment MICHIGAN STATE HOUSING DEVELOPMENT AUTHO |
| Jul 09, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage UNION HOME MORTGAGE CORP |
| Dec 29, 2021 | Warranty Deed, Transfer · Veterans Administration Mortgage SIMPLE HOME LENDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 19, 2024 · Amount on Record |
| Deed Sale | Jul 19, 2024 · Amount on Record |
| Deed Doc Number | 202412665 |
| Deed Book / Page | 5730 / 646 |
| Prior Transfer Date | Jul 02, 2024 |
| Prior Transfer Doc | 0005730646 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 320 MILL ST, ALGONAC, MI 48001-1326 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | ATA NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1196 CLINTON AVE 312, 312, SAINT CLAIR, MI 48079-5180 |
| Investor | Possibly a Property Investor |
| Document Number | 0005726983 |
|---|---|
| Date | Jul 09, 2024 |
| Book Page | 5726/983 |
| Instrument | 2024011827 |
| Name | MICHIGAN STATE HOUSING DEVELOPMENT AUTHO |
|---|---|
| Type | Non-Lending Institution |
| Address | 735 E MICHIGAN AVE, LANSING, MI 48912 |
| Type | Second Mortgage to Cover Down Payment |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 320 MILL ST, ALGONAC, MI 48001-1326 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | ATA NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1196 CLINTON AVE 312, 312, SAINT CLAIR, MI 48079-5180 |
| Investor | Possibly a Property Investor |
| Document Number | 0005726963 |
|---|---|
| Date | Jul 09, 2024 |
| Book Page | 5726/963 |
| Instrument | 2024011826 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | 8241 DOW CIR, STRONGSVILLE, OH 44136 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Dec 29, 2021 |
| Property Address | 320 MILL ST, ALGONAC, MI 48001-1326 |
| Document Number | 0005469860 |
| Book / Page | 5469 / 860 |
| Map Reference | LB 49 PG 1 |
| Instrument Date | Dec 21, 2021 |
| Instrument | 2021036245 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | HILLSBOROUGH TITLE INC, HTC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,687.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 MILL ST, ALGONAC, MI 48001-1326 |
| Name | Verified Name |
|---|---|
| Address | 320 MILL ST, ALGONAC, MI 48001-1326 |
| Document Number | 2022001082 |
|---|---|
| Date | Dec 29, 2021 |
| Instrument | 2022001082 |
| Name | SIMPLE HOME LENDING LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Number | 0000547572 |
|---|---|
| Date | Jan 14, 2022 |
| Book Page | 5475/72 |
| Instrument | 2022001082 |
| Name | SIMPLE HOME LENDING LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | MACOMB, MI 48044 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Algonac City |
| County | St. Clair County |
| Unified School District | Algonac Community School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,855.00 (-27.9%) Homeowner's exemption | $119,500 (+21.2%) | |
| 2024 | $3,960.00 (+12.09%) | $239,000 (+21.2%) | |
| 2023 | $98,600 | ||
| 2022 | $3,533.00 | $197,200 |
320 Mill St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · St. Clair County (26147C), updated July 20, 2022
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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