425 Center St, Algonac, MI 48001 Property Records

St. Clair County property record for 425 Center St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,400 sqft · built 1980
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Dec 2021)
Tax Bill	$2,568 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Sep 2021 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`74-01-145-0060-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-145-0060-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	200 ft deep x 60 ft wide

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	425 CENTER ST
City	ALGONAC
State	MI
Zip	48001-1187
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	S 60' OF LOT A EXC E 50' MAP OF THE KENDALL FARM SUBDIVISION ACCORDING TO THE PLAT RECORDED IN LIBER 17 OF PLATS PG 162 ST
Legal Range	16E
Legal Township	02N
Legal Section	02
Legal Subdivision	MAP OF THE KENDALL FARM SUBDIVISION
Legal Lot Number	A
Legal Unit	A
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	1
Census Block	1010
Census Tract	649000

Owner

425 Center St is owned and occupied by two individuals who bought it in December 2021.

Source: St. Clair County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10217 SAINT JOHN DR, ALGONAC, MI 48001-4240
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
Dec 20, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 2, 2021	Quit Claim Deed, Transfer Quitclaim
Sep 2, 2021	Intrafamily Transfer, Transfer
Jun 25, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2021 · Amount on File
Deed Sale	Dec 20, 2021 · Amount on File
Deed Document Number	202135493
Deed Book / Page	5466 / 217
Prior Transfer Date	Sep 2, 2021
Prior Transfer Doc	0005416277
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 20, 2021
Property Address	425 CENTER ST, ALGONAC, MI 48001-1187
Document Number	0005466217
Book / Page	5466 / 217
Map Reference	LB 17 PG 162
Instrument Date	Dec 6, 2021
Instrument	2021035493
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6903 FOXBROOK DR, 6903, HUMBLE, TX 77338-1332

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10217 SAINT JOHN DR, ALGONAC, MI 48001-4240
Investor	Possibly a Property Investor

Mortgage

Document Number	2021035494
Date	Dec 20, 2021
Instrument	2021035494

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 2, 2021
Property Address	425 CENTER ST, ALGONAC, MI 48001-1187
Document Number	0005416277
Book / Page	5416 / 277
Instrument Date	Sep 2, 2021
Instrument	2021025252
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 CENTER ST, ALGONAC, MI 48001-1187

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 2, 2021
Property Address	425 CENTER ST, ALGONAC, MI 48001-1187
Document Number	0005416278
Book / Page	5416 / 278
Instrument Date	Aug 30, 2021
Instrument	2021025253
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 CENTER ST, ALGONAC, MI 48001-1187

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 25, 2019
Property Address	425 CENTER ST, ALGONAC, MI 48001-1187
Document Number	0050690274
Book / Page	005069 / 000274
Instrument Date	Jan 21, 2009
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	425 CENTER ST ALGONAC MI 480011187, ALGONAC, MI 48001-1187

Tax Assessment & Valuation

The 2025 property tax bill for 425 Center St was $2,568 with a homeowner's exemption, down 28.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Algonac City
County	St. Clair County
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$77,700 (+3.46%)	$155,400
2025	$2,568.00 (-28.43%) Homeowner's exemption	$75,100
2024	$3,588.00		$150,200
2023		$60,700
2022	$3,175.00		$121,400

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.

Flood

FEMA maps place 425 Center St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 76 policies
Nearby Flood Policies	76 in force
Nearby Flood Claims	85 (1980–2021)
Claims Outside the SFHA	44 of 85
Most Recent Claim	Feb 2021 · 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.

Wildfire

Wildfire risk around 425 Center St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 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

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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Center St

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