St. Clair County property record for 524 Howard St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,617 sqft · built 1984 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $199,900 (Oct 2023) |
| Tax Bill | $3,665 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Mar 2023 Sale + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 74-01-105-0254-000 |
| Primary APN | 74-01-105-0254-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,617 sqft Living Area |
| 1st Floor Area | 819 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Garage Area | 1,800 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 524 HOWARD ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | E 1/2 LOTS 1 & 2 BLK 101 MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 ST CLAIR |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 10 |
| Legal Subdivision | VILLAGE OF ALGONAC |
| Legal Block | 101 |
| Legal Lot Number | 1-2 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 649000 |
Source: St. Clair County records, as of September 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 524 HOWARD ST, ALGONAC, MI 48001-1511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Mar 13, 2023 | Warranty Deed, Transfer MICHIGAN INV TITLE INC, MICHIGAN INVESTMENT TTL INC |
| Jan 20, 2022 | Deed of Trust, Mortgage · Line of Credit CHIROPRACTIC FCU |
| Jan 9, 2017 | Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Jan 9, 2017 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Jan 27, 2020 | Warranty Deed, Transfer · Conventional Mortgage NORTHSTAR BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 20, 2023 · Amount on Record |
| Deed Sale | Oct 20, 2023 · Amount on Record |
| Prior Sale | Mar 13, 2023 · Amount on Record |
| Deed Document Number | 202318655 |
| Deed Book / Page | 5664 / 109 |
| Prior Transfer Date | Aug 8, 2012 |
| Prior Transfer Doc | 004534/495 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Oct 20, 2023 |
| Property Address | 524 HOWARD ST, ALGONAC, MI 48001-1511 |
| Document Number | 0005664109 |
| Book / Page | 5664 / 109 |
| Map Reference | LB F PG 51 |
| Instrument Date | Sep 21, 2023 |
| Instrument | 2023018655 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2023 |
| Title Company | SERVICE/ONE TITLE AGENCY INC, SERVICE ONE TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1006 LEE ST, ALGONAC, MI 48001-1085 |
| Name | Verified Name |
|---|---|
| Address | 52321 CREEK LN, CHESTERFIELD, MI 48047-4542 |
| Document Number | 0005660914 |
|---|---|
| Date | Oct 10, 2023 |
| Book Page | 5660/914 |
| Instrument | 2023017897 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Mar 13, 2023 |
| Property Address | 524 HOWARD ST, ALGONAC, MI 48001-1511 |
| Document Number | 0005604765 |
| Book / Page | 5604 / 765 |
| Map Reference | LB F PG 51 |
| Instrument Date | Feb 22, 2023 |
| Instrument | 2023004034 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2023 |
| Title Company | MICHIGAN INV TITLE INC, MICHIGAN INVESTMENT TTL INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $787.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 524 HOWARD ST, ALGONAC, MI 48001-1511 |
| Name | Verified Name |
|---|---|
| Address | 1003 LEE ST, ALGONAC, MI 48001-1086 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 524 HOWARD ST, ALGONAC, MI 48001-1511 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 524 HOWARD ST, ALGONAC, MI 48001-1511 |
| Document Number | 0005476968 |
|---|---|
| Date | Jan 20, 2022 |
| Book Page | 5476/968 |
| Instrument | 2022001505 |
| Name | CHIROPRACTIC FCU |
|---|---|
| Type | Credit Union |
| Address | FARMINGTON, MI 48335 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 19, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 9, 2017 |
| Property Address | 524 HOWARD ST, ALGONAC, MI 48001-1511 |
| Document Number | 0047870479 |
| Book / Page | 004787 / 000479 |
| Instrument Date | Dec 21, 2016 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 524 HOWARD ST ALGONAC MI 480011511, ALGONAC, MI 48001-1511 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 9, 2017 |
| Property Address | 524 HOWARD ST, ALGONAC, MI 48001-1511 |
| Document Number | 0047870423 |
| Book / Page | 004787 / 000423 |
| Instrument Date | Dec 21, 2016 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 40 MARINE CITY MI 480390040, MARINE CITY, MI 48039-0040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 27, 2020 |
| Property Address | 524 HOWARD ST, ALGONAC, MI 48001-1511 |
| Document Number | 0005145975 |
| Book / Page | 5145 / 975 |
| Map Reference | LB F PG 51 |
| Instrument Date | Dec 21, 2016 |
| Instrument | 2020002372 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $627.80 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 40, MARINE CITY, MI 48039-0040 |
| Name | Verified Name |
|---|---|
| Address | 524 HOWARD ST, ALGONAC, MI 48001-1511 |
| Document Number | 2020002373 |
|---|---|
| Date | Jan 27, 2020 |
| Instrument | 2020002373 |
| Name | NORTHSTAR BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
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 | $101,300 (+4%) | $202,600 (+4%) | |
| 2025 | $3,665.00 (+2.03%) Homeowner's exemption | $97,400 (+19.8%) | |
| 2024 | $3,592.00 (+59.93%) | $194,800 (+19.8%) | |
| 2023 | $81,300 | ||
| 2022 | $2,246.00 | $162,600 |
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.
Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond 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 195 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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