St. Clair County property record for 488 Lathrop St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,220,000 (Feb 2026) |
| Tax Bill | $14,180 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Nov 2022 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-135-0003-001 |
| Primary APN | 74-01-135-0003-001 |
|---|---|
| Alternative APN |
|
| Lot Area | 12,197 sqft (0.28 acres) |
|---|
| Street Address | 488 LATHROP ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1639 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART OF LOT 768 DESC AS: BEG AT ELY MOST COR OF LOT 768, TH S 70D 33M 02S W 57.35', TH N 40D 54M 00S W 155.34', TH N 76D 57M |
| Legal Lot Number | 768 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 649000 |
488 Lathrop St is owned and occupied by two individuals who bought it in February 2026.
Source: St. Clair County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 647 OTTAWA DR, TROY, MI 48085-1665 |
| 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 |
|---|---|
| Feb 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 23, 2022 | Warranty Deed, Transfer STERLING TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2026 · Amount on File |
| Deed Sale | Feb 25, 2026 · Amount on File |
| Prior Sale | Nov 23, 2022 · Amount on File |
| Deed Document Number | 20263606 |
| Deed Book / Page | 5900 / 349 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Feb 25, 2026 |
| Property Address | 488 LATHROP ST, ALGONAC, MI 48001-1639 |
| Document Number | 0005900349 |
| Book / Page | 5900 / 349 |
| Map Reference | LB 49 PG 13 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 2026003606 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Title Company | BELL TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 HILLCREST AVE, GROSSE POINTE FARMS, MI 48236-2919 |
| Name | Verified Name |
|---|---|
| Address | 647 OTTAWA DR, TROY, MI 48085-1665 |
| Document Number | 2026003607 |
|---|---|
| Date | Feb 25, 2026 |
| Instrument | 2026003607 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Nov 23, 2022 |
| Property Address | 488 LATHROP ST, ALGONAC, MI 48001-1639 |
| Document Number | 0005580681 |
| Book / Page | 5580 / 681 |
| Map Reference | LB 49 PG 13 |
| Instrument Date | Aug 16, 2022 |
| Instrument | 2022026140 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2022 |
| Title Company | STERLING TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 490 LOTHROP RD, 490, GROSSE POINTE FARMS, MI 48236-3248 |
| Name | Verified Name |
|---|---|
| Address | 405 HILLCREST AVE, GROSSE POINTE FARMS, MI 48236-2919 |
The 2025 property tax bill for 488 Lathrop St was $14,180 with a homeowner's exemption.
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 | $402,600 (+8.58%) | $805,200 | |
| 2025 | $14,180.00 | $370,800 | |
| 2024 | $741,600 | ||
| 2023 | $74,600 | ||
| 2022 | $2,548.00 | $149,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 488 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 488 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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