465 Willard Ave, Algonac, MI 48001 Property Records

St. Clair County property record for 465 Willard Ave, Algonac, MI 48001 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,911 sqft · built 1991
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (May 2023)
Tax Bill	$4,466 (2025)
Deeds & Mortgages	Jun 2025 Mortgage May 2023 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`74-01-146-0007-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-146-0007-000`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,911 sqft Living Area
1st Floor Area	2,133 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	100 ft deep x 90 ft wide
Garage Area	924 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	465 WILLARD AVE
City	ALGONAC
State	MI
Zip	48001-1827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 KING-PIPPEL SUBDIVISION SEC 10 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	10
Legal Subdivision	KING PIPPEL SUBDIVISION
Legal Lot Number	7
Legal Unit	7
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	4
Census Block	4025
Census Tract	649000

Owner

Source: St. Clair County records · APN 74-01-146-0007-000

Assessment roll updated October 7, 2025 · Last verified July 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 File
Mailing Address	465 WILLARD AVE, ALGONAC, MI 48001-1827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage PAC FEDERAL CU
May 19, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
May 09, 2023
Nov 16, 2020	Deed of Trust, Mortgage QUICKEN LOANS LLC
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 19, 2023 · Amount on Record
Deed Sale	May 19, 2023 · Amount on Record
Prior Sale	Sep 03, 2013 · Amount on Record
Deed Document Number	20239118
Prior Transfer Date	Apr 26, 2023
Prior Transfer Doc	0005620272
Record Updated	Sep 20, 2026

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 24, 2025
Property Address	465 WILLARD AVE, ALGONAC, MI 48001-1827
Document Number	0005825468
Book / Page	5825 / 468
Map Reference	LB 86 PG 5
Instrument Date	May 14, 2025
Instrument	2025011911
Transaction Type	Transfer
Record Updated	Oct 07, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	465 WILLARD AVE, ALGONAC, MI 48001-1827

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 WILLARD AVE, ALGONAC, MI 48001-1827

Mortgage

Document Number	2025011912
Date	Jun 24, 2025
Instrument	2025011912

Lender

Name	PAC FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 20, 2055

Interest

Rate	6%
Type Change Date	May 20, 2028
Min Rate At Change	4%
Max Rate At Change	8%
Index	Prime Rate
Max Rate	12%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 19, 2023
Property Address	465 WILLARD AVE, ALGONAC, MI 48001-1827
Document Number	0005623217
Book / Page	5623 / 217
Map Reference	LB 86 PG 5
Instrument Date	Apr 28, 2023
Instrument	2023009118
Transaction Type	Transfer
Record Updated	Jun 06, 2023
Title Company	GREATER MACOMB TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,737.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	465 WILLARD AVE, ALGONAC, MI 48001-1827

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 WILLARD AVE, ALGONAC, MI 48001-1827

Mortgage

Document Number	0005617995
Date	May 02, 2023
Book Page	5617/995
Instrument	2023007912

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2053

May 2023:

Jurisdiction	SAINT CLAIR MI
Recording Date	May 09, 2023
Property Address	465 WILLARD AVE, ALGONAC, MI 48001-1827
Document Number	0005620272
Book / Page	5620 / 272
Map Reference	LB 86 PG 5
Instrument Date	Apr 26, 2023
Instrument	2023008458
Record Updated	May 31, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	465 WILLARD AVE, ALGONAC, MI 48001-1827

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22824 EUCLID ST, SAINT CLAIR SHORES, MI 48082-1343

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	465 WILLARD AVE, ALGONAC, MI 48001-1827
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 WILLARD AVE, ALGONAC, MI 48001-1827

Mortgage

Document Number	0000527320
Date	Nov 16, 2020
Book Page	5273/20
Instrument	2020028818

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Nov 01, 2040

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	465 WILLARD AVE, ALGONAC, MI 48001-1827
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	JBN TITLE, JB TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 WILLARD AVE, ALGONAC, MI 48001-1827

Mortgage

Document Number	0005427609
Date	Sep 29, 2021
Book Page	5427/609
Instrument	2021027610

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 01, 2036

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified July 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

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	$4,466.00 (-58.72%) Homeowner's exemption	$192,500 (-17.38%)
2024	$10,818.00 (+93.91%)		$385,000 (-17.38%)
2023		$233,000
2022	$5,579.00		$466,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), updated July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476490004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 97 individual NFIP policies nearby
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

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 224 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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