St. Clair County property record for 432 Lathrop St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,344 sqft |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Jan 2023) |
| Tax Bill | $4,385 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage May 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-135-0023-000 |
| Primary APN | 74-01-135-0023-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 2,344 sqft Living Area |
| 1st Floor Area | 1,360 sqft |
| Lot Area | 6,098 sqft (0.14 acres) |
|---|---|
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 432 LATHROP ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1639 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 782 SUPV ROY T GILBERTS PLAT NO 9 SEC 10 T2N R16E |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 10 |
| Legal Subdivision | SUPERVISORS ROY T GILBERTS PLAT #9 |
| Legal Lot Number | 782 |
| Legal Unit | 782 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 649000 |
432 Lathrop St is owned and occupied by an individual who bought it in January 2023.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 432 LATHROP ST, ALGONAC, MI 48001-1639 |
| 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.
| Date | Document |
|---|---|
| Jan 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK |
| May 4, 2021 | Warranty Deed, Transfer · Conventional Mortgage GENISYS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2023 · Amount on File |
| Deed Sale | Jan 27, 2023 · Amount on File |
| Prior Sale | May 4, 2021 · Amount on File |
| Deed Document Number | 20231496 |
| Deed Book / Page | 5594 / 734 |
| Prior Transfer Date | Jan 22, 2009 |
| Prior Transfer Doc | 003911/230 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 27, 2023 |
| Property Address | 432 LATHROP ST, ALGONAC, MI 48001-1639 |
| Document Number | 0005594734 |
| Book / Page | 5594 / 734 |
| Map Reference | LB 49 PG 13 |
| Instrument Date | Jan 12, 2023 |
| Instrument | 2023001496 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2023 |
| Title Company | CISLO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,687.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 432 LATHROP ST, ALGONAC, MI 48001-1639 |
| Name | Verified Name |
|---|---|
| Address | 432 LATHROP ST, ALGONAC, MI 48001-1639 |
| Document Number | 0005592804 |
|---|---|
| Date | Jan 18, 2023 |
| Book Page | 5592/804 |
| Instrument | 2023000933 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Address | CLINTON TOWNSHIP, MI 48038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Type Change Date | Feb 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.99% |
| Max Rate At Change | 5.99% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.99% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | May 4, 2021 |
| Property Address | 432 LATHROP ST, ALGONAC, MI 48001-1639 |
| Document Number | 0005361430 |
| Book / Page | 5361 / 430 |
| Map Reference | LB 49 PG 13 |
| Instrument Date | Apr 15, 2021 |
| Instrument | 2021013686 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| 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 |
|
| Name | Verified Name |
|---|---|
| Address | 432 LATHROP ST, 432, ALGONAC, MI 48001-1639 |
| Name | Verified Name |
|---|---|
| Address | 7077 MARSH RD, COTTRELLVILLE, MI 48039-2704 |
| Document Number | 0005355104 |
|---|---|
| Date | Apr 20, 2021 |
| Book Page | 5355/104 |
| Instrument | 2021012448 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 432 Lathrop St was $4,385 with a homeowner's exemption, down 3.3% from the year before.
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 | $117,000 (+8.53%) | $234,000 | |
| 2025 | $4,385.00 (-3.29%) Homeowner's exemption | $107,800 | |
| 2024 | $4,534.00 | $215,600 | |
| 2023 | $97,600 | ||
| 2022 | $3,433.00 | $195,200 |
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.
FEMA maps place 432 Lathrop 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 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.
The area around 432 Lathrop St has no burnable land within ember reach, so its wildfire risk is not rated.
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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