St. Clair County property record for 326 Lathrop St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,136 sqft · built 1979 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $119,900 (Nov 2016) |
| Tax Bill | $2,643 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-135-0027-000 |
| Primary APN | 74-01-135-0027-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,136 sqft Living Area |
| 1st Floor Area | 1,136 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Ranch |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Area | 816 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 326 LATHROP ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | NE 60' OF LOT 786 SUPERVISOR ROY T. GILBERTS PLAT NO. 9 |
| Legal Subdivision | SUPERVISORS PLAT |
| Legal Lot Number | 786 |
| Legal Unit | 786 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 649000 |
Source: St. Clair County records, as of September 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 326 LATHROP ST, ALGONAC, MI 48001-1638 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 21, 2016 · Amount on Record |
| Deed Sale | Nov 21, 2016 · Amount on Record |
| Prior Sale | Aug 13, 2014 · Amount on Record |
| Deed Document Number | 201625684 |
| Deed Book / Page | 4771 / 852 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 326 LATHROP ST, ALGONAC, MI 48001-1638 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 326 LATHROP ST, ALGONAC, MI 48001-1638 |
| Document Number | 0052710721 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 5271/721 |
| Instrument | 2020028485 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Algonac City |
| County | St. Clair County |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $85,300 (+7.3%) | $170,600 (+7.3%) | |
| 2025 | $2,643.00 (+2.09%) Homeowner's exemption | $79,500 (+10.88%) | |
| 2024 | $2,589.00 (+12.32%) | $159,000 (+10.88%) | |
| 2023 | $71,700 | ||
| 2022 | $2,305.00 | $143,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 97 policies |
| Nearby Flood Policies | 97 in force |
| Nearby Flood Claims | 15 (1985–2019) |
| Claims Outside the SFHA | 5 of 15 |
| Most Recent Claim | Aug 2019 · river or lake flooding |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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