St. Clair County property record for 428 Mill St, Algonac, MI 48001 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,866 sqft · built 1950 |
| Lot Size | 0.389 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $138,000 (Aug 1999) |
| Tax Bill | $2,910 (2024) |
| Deeds & Mortgages | Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-01-129-0036-000 |
| Primary APN | 74-01-129-0036-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,866 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Architectural Style | Ranch |
| Lot Area | 16,988 sqft (0.389 acres) |
| Lot Dimensions | 141 ft deep x 120 ft wide |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 74011290036000 |
|---|---|
| Street Address | 428 MILL ST |
| City | ALGONAC |
| State | MI |
| Zip | 48001-1328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 474 SUPERVISOR ROY T GILBERT'S PLAT NO. 4 |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 4-ALGON |
| Legal Lot Number | 474 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 649000 |
Source: St. Clair County records · APN 74-01-129-0036-000
Assessment roll updated March 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 MILL ST, ALGONAC, MI 48001-1328 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 23, 1999 · Amount on Record |
| Deed Sale | Aug 23, 1999 · Amount on Record |
| Deed Document Number | 0001939654 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 428 MILL ST, ALGONAC, MI 48001-1328 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050160558 |
|---|---|
| Date | Dec 14, 2018 |
| Book Page | 5016/558 |
| Instrument | 2018027426 |
| Name | JP MORGAN CHASE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 252 Months |
| Due | Jan 01, 2039 |
| Rate Type | Fixed Rate |
|---|
Source: St. Clair County records · Assessment roll updated March 1, 2025 · Last verified October 2025
| 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $134,800 (+20.68%) | ||
| 2024 | $2,910.00 (+12.23%) | $269,600 (+20.68%) | |
| 2023 | $111,700 | ||
| 2022 | $2,593.00 | $223,400 |
Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), updated July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476490001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 76 individual NFIP policies nearby |
| 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 |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 257 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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