St. Clair County property record for 440 Lathrop St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,192 sqft |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Jun 2016) |
| Tax Bill | $6,139 (2025) |
| Deeds & Mortgages | May 2026 Transfer Dec 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-135-0019-000 |
| Primary APN | 74-01-135-0019-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,192 sqft Living Area |
| 1st Floor Area | 1,240 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 8,712 sqft (0.2 acres) |
|---|---|
| Lot Dimensions | 219 ft deep x 40.8 ft wide |
| Garage Area | 960 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 440 LATHROP ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1639 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | THAT PART OF LATHROP AVE LYING SW OF & ADJ LOT 778 SUPERVISOR ROY T GILBERT'S PLAT NO. 9 |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 9-ALGON |
| Legal Lot Number | 778 |
| Legal Unit | 778 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 649000 |
440 Lathrop St is owned and occupied by two individuals who acquired it in October 2024.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 LATHROP ST, ALGONAC, MI 48001-1639 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| May 29, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2016 · Amount on File |
| Deed Sale | Jun 29, 2016 · Amount on File |
| Deed Document Number | 201614426 |
| Deed Book / Page | 4723 / 106 |
| Last Transfer Date | Oct 21, 2024 |
| Transfer Doc | 0000018609 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | May 29, 2026 |
| Property Address | 440 LATHROP ST, ALGONAC, MI 48001-1639 |
| Document Number | 0000010797 |
| Book / Page | 5928 / 998 |
| Instrument Date | May 28, 2026 |
| Instrument | 202610797 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 LATHROP ST, ALGONAC, MI 48001-1639 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 440 LATHROP ST, ALGONAC, MI 48001-1639 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 440 LATHROP ST, ALGONAC, MI 48001-1639 |
| Document Number | 0000546730 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 5467/30 |
| Instrument | 2021035688 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2042 |
The 2025 property tax bill for 440 Lathrop St was $6,139 with a homeowner's exemption, up 2% 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 | $209,000 (+7.07%) | $418,000 | |
| 2025 | $6,139.00 (+1.99%) Homeowner's exemption | $195,200 | |
| 2024 | $6,019.00 | $390,400 | |
| 2023 | $170,000 | ||
| 2022 | $5,378.00 | $340,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 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 440 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures