503 Lathrop St, Algonac, MI 48001 Property Records

St. Clair County property record for 503 Lathrop St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,910 sqft · built 1997
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$620,000 (Mar 2017)
Tax Bill	$14,099 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2021 Line of Credit + 4 more
Flood Zone	Zone AE (high risk)
APN	`74-01-152-0011-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-152-0011-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	3,910 sqft Living Area
1st Floor Area	1,952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	120 ft deep x 170 ft wide
Garage Area	1,736 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	503 LATHROP ST
City	ALGONAC
State	MI
Zip	48001-1694
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOTS 11 & 14 MARINERS POINTE ACCORDING TO THE PLAT RECORDED IN LIBER 87 OF PLATS PGS 3-4 ST CLAIR COUNTY REGISTER OF DEEDS
Legal Subdivision	MARINERS POINTE
Legal Lot Number	11,14
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	4
Census Block	4026
Census Tract	649000

Owner

Source: St. Clair County records, as of September 17, 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 Record
Mailing Address	503 LATHROP ST, ALGONAC, MI 48001-1694
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN FIRST CU
Jan 14, 2021	Deed of Trust, Mortgage · Line of Credit MICHIGAN FIRST CU
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 AT SUBURBAN
Jan 4, 2018	Deed of Trust, Mortgage · Line of Credit MICHIGAN FIRST CU
Oct 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE MTG FNDG
Mar 24, 2017	Warranty Deed, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2017 · Amount on Record
Deed Sale	Mar 24, 2017 · Amount on Record
Deed Document Number	20177198
Deed Book / Page	4811 / 596
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	503 LATHROP ST, ALGONAC, MI 48001-1694
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 LATHROP ST, ALGONAC, MI 48001-1694

Mortgage

Document Number	0053210992
Date	Feb 22, 2021
Book Page	5321/992
Instrument	2021005010

Lender

Name	MICHIGAN FIRST CU
Type	Credit Union
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	503 LATHROP ST, ALGONAC, MI 48001-1694
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053020287
Date	Jan 14, 2021
Book Page	5302/287
Instrument	2021001129

Lender

Name	MICHIGAN FIRST CU
Type	Credit Union
Address	SOUTHFIELD, MI 48076

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	163 Months
Due	Aug 24, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	503 LATHROP ST, ALGONAC, MI 48001-1694
Document Number	0051870247
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	503 LATHROP ST ALGONAC MI 480011694, ALGONAC, MI 48001-1694

Mortgage

Document Number	0051870247
Date	May 14, 2020
Book Page	005187/000247

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2050

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	503 LATHROP ST, ALGONAC, MI 48001-1694
Document Number	0049080678
Book / Page	004908 / 000678
Instrument Date	Jan 4, 2018
Transaction Type	Mortgage
Record Updated	Jan 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	503 LATHROP ST ALGONAC MI 480011694, ALGONAC, MI 48001-1694

Mortgage

Document Number	0049080678
Date	Jan 18, 2018
Book Page	004908/000678

Lender

Name	MICHIGAN FIRST CU
Type	Credit Union
Address	LATHRUP VILLAGE, MI 48076

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 17, 2033

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	503 LATHROP ST, ALGONAC, MI 48001-1694
Document Number	0048890752
Book / Page	004889 / 000752
Instrument Date	Oct 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	503 LATHROP ST ALGONAC MI 480011694, ALGONAC, MI 48001-1694

Mortgage

Document Number	0048890752
Date	Nov 13, 2017
Book Page	004889/000752

Lender

Name	COUNTRYWIDE MTG FNDG
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 24, 2017
Property Address	503 LATHROP ST, ALGONAC, MI 48001-1694
Document Number	0048110596
Book / Page	004811 / 000596
Instrument Date	Mar 10, 2017
Transaction Type	Transfer
Record Updated	Apr 21, 2017
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$5,332.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	765 MIDDLESEX RD GROSSE POINTE PARK MI 482301741, GROSSE POINTE PARK, MI 48230-1741

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$523,100 (+8.35%)	$1,046,200 (+8.35%)
2025	$14,099.00 (+1.97%) Homeowner's exemption	$482,800 (+14.52%)
2024	$13,827.00 (+11.76%)		$965,600 (+14.52%)
2023		$421,600
2022	$12,372.00		$843,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record 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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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