St. Clair County property record for 419 Howard St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,271 sqft · built 1946 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $49,900 (Oct 2015) |
| Tax Bill | $1,533 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 74-01-105-0349-000 |
| Primary APN | 74-01-105-0349-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,271 sqft Living Area |
| 1st Floor Area | 1,131 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 60 ft deep x 70 ft wide |
| Garage Area | 504 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 419 HOWARD ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | E 1/2 LOT 4 BLK 117 & 1/2 VAC ALLEY ADJ MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG |
| Legal Subdivision | VILLAGE OF ALGONAC |
| Legal Block | 117 |
| Legal Lot Number | 4 |
| Legal Unit | 4 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 4 |
| Census Block | 4006 |
| 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 | 419 HOWARD ST, ALGONAC, MI 48001-1548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 26, 2026 | Deed of Trust, Mortgage · Line of Credit ADVIA CU |
| Apr 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER LLC |
| Jun 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2015 · Amount on Record |
| Deed Sale | Oct 28, 2015 · Amount on Record |
| Deed Book / Page | 4653 / 164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 419 HOWARD ST, ALGONAC, MI 48001-1548 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 419 HOWARD ST, ALGONAC, MI 48001-1548 |
| Document Number | 0005891771 |
|---|---|
| Date | Jan 26, 2026 |
| Book Page | 5891/771 |
| Instrument | 2026001640 |
| Name | ADVIA CU |
|---|---|
| Type | Credit Union |
| Address | 6400 W MAIN ST, KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 25, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 419 HOWARD ST, ALGONAC, MI 48001-1548 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 419 HOWARD ST, ALGONAC, MI 48001-1548 |
| Document Number | 0005514748 |
|---|---|
| Date | Apr 25, 2022 |
| Book Page | 5514/748 |
| Instrument | 2022010577 |
| Name | MORTGAGE CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48076 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 419 HOWARD ST, ALGONAC, MI 48001-1548 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050690576 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 5069/576 |
| Instrument | 2019012919 |
| Name | MORTGAGE CENTER |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Rate Type | Fixed Rate |
|---|
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 | $73,900 (+3.79%) | $147,800 (+3.79%) | |
| 2025 | $1,533.00 (+2.13%) Homeowner's exemption | $71,200 (+17.88%) | |
| 2024 | $1,501.00 (+12.86%) | $142,400 (+17.88%) | |
| 2023 | $60,400 | ||
| 2022 | $1,330.00 | $120,800 |
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 X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 | Low lower than 93% of the US · lower than 83% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
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 195 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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