St. Clair County property record for 529 Howard St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,297 sqft · built 1960 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Jul 2023) |
| Tax Bill | $3,394 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Jul 2023 Sale + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 74-01-105-0248-000 |
| Primary APN | 74-01-105-0248-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,297 sqft Living Area |
| 1st Floor Area | 1,113 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 60 ft deep x 120 ft wide |
| Garage Area | 1,152 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 529 HOWARD ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1565 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 4 BLK 100 MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 ST CLAIR COUNTY REGISTER |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 10 |
| Legal Subdivision | VILLAGE OF ALGONAC SUBDIVISION |
| Legal Block | 100 |
| Legal Lot Number | 4 |
| Legal Unit | 4 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 649000 |
529 Howard St is owned and occupied by an individual who bought it in July 2023.
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 File |
|---|---|
| Mailing Address | 529 HOWARD ST, ALGONAC, MI 48001-1565 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2023 | Deed of Trust, Mortgage · USDA Mortgage UNION HOME MORTGAGE CORP |
| Jul 6, 2023 | Warranty Deed, Transfer |
| Jul 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2023 · Amount on File |
| Deed Sale | Jul 6, 2023 · Amount on File |
| Prior Sale | Sep 16, 2015 · Amount on File |
| Deed Document Number | 202311854 |
| Deed Book / Page | 5634 / 583 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 529 HOWARD ST, ALGONAC, MI 48001-1565 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | ATA NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 33790 COLONIAL ST, CHESTERFIELD, MI 48047-2303 |
| Document Number | 0005629317 |
|---|---|
| Date | Jun 14, 2023 |
| Book Page | 5629/317 |
| Instrument | 2023010600 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jul 6, 2023 |
| Property Address | 529 HOWARD ST, ALGONAC, MI 48001-1565 |
| Document Number | 0005634583 |
| Book / Page | 5634 / 583 |
| Map Reference | LB F PG 51 |
| Instrument Date | Jun 9, 2023 |
| Instrument | 2023011854 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 529 HOWARD ST, ALGONAC, MI 48001-1565 |
| Name | Verified Name |
|---|---|
| Address | 33790 COLONIAL ST, CHESTERFIELD, MI 48047-2303 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 529 HOWARD ST, ALGONAC, MI 48001-1565 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2022 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Address | 529 HOWARD ST, ALGONAC, MI 48001-1565 |
| Document Number | 0005540577 |
|---|---|
| Date | Jul 8, 2022 |
| Book Page | 5540/577 |
| Instrument | 2022016468 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2037 |
The 2025 property tax bill for 529 Howard St was $3,394 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 | $93,000 (+2.76%) | $186,000 | |
| 2025 | $3,394.00 (+2.04%) Homeowner's exemption | $90,500 | |
| 2024 | $3,326.00 | $181,000 | |
| 2023 | $71,000 | ||
| 2022 | $1,721.00 | $142,000 |
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.
FEMA maps place 529 Howard St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 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.
Wildfire risk around 529 Howard St is low, with a 0.01% annual chance of wildfire.
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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