St. Clair County property record for 413 Lathrop St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,160 sqft · built 1998 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Sep 2014) |
| Tax Bill | $3,393 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-135-0046-000 |
| Primary APN | 74-01-135-0046-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,160 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 100 ft deep x 33 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 413 LATHROP ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1690 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 804 SUPV ROY T GILBERTS PLAT NO 9 SEC 10 T2N R16E |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 10 |
| Legal Subdivision | SUPERVISOR ROY T GILBERTS PLAT #9 |
| Legal Lot Number | 804 |
| Legal Unit | 804 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 413 LATHROP ST, ALGONAC, MI 48001-1690 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2014 · Amount on Record |
| Deed Sale | Sep 18, 2014 · Amount on Record |
| Prior Sale | Feb 9, 2011 · Amount on Record |
| Deed Document Number | 201420803 |
| Deed Book / Page | 4537 / 906 |
| Prior Transfer Date | May 6, 2010 |
| Prior Transfer Doc | 4045/178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 413 LATHROP ST, ALGONAC, MI 48001-1690 |
| Document Number | 0050470498 |
| Instrument Date | Apr 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2019 |
| Title Company | BEST HOME TITLE, BEST HM TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 LATHROP ST ALGONAC MI 480011690, ALGONAC, MI 48001-1690 |
| Document Number | 0050470498 |
|---|---|
| Date | Apr 16, 2019 |
| Book Page | 005047/000498 |
| Name | MICHIGAN SCHOOLS & GOV'T CU |
|---|---|
| Type | Credit Union |
| Address | CLINTON TOWNSHIP, MI 48038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 15, 2029 |
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 | $138,600 (+8.88%) | $277,200 (+8.88%) | |
| 2025 | $3,393.00 (+2.05%) Homeowner's exemption | $127,300 (+14.17%) | |
| 2024 | $3,325.00 (+12.14%) | $254,600 (+14.17%) | |
| 2023 | $111,500 | ||
| 2022 | $2,965.00 | $223,000 |
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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