530 State St, Algonac, MI 48001 Property Records

St. Clair County property record for 530 State St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 824 sqft · built 1950
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$119,000 (Dec 2021)
Tax Bill	$2,744 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-111-0077-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-111-0077-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	824 sqft Living Area
1st Floor Area	824 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Area	704 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	530 STATE ST
City	ALGONAC
State	MI
Zip	48001-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOTS 177 & 178 ALGONAC ASSESSORS PLAT NO 1
Legal Subdivision	ASSESSORS
Legal Lot Number	177-178
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	4
Census Block	4017
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	530 STATE ST, ALGONAC, MI 48001-1618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS AND GOV'T CREDIT UNION
Dec 1, 2021	Warranty Deed, Transfer · FHA Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
Sep 28, 2017	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2021 · Amount on Record
Deed Sale	Dec 1, 2021 · Amount on Record
Prior Sale	Sep 28, 2017 · Amount on Record
Deed Document Number	202133594
Deed Book / Page	5456 / 657
Prior Transfer Date	Feb 28, 2013
Prior Transfer Doc	004371/052
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 30, 2026
Property Address	530 STATE ST, ALGONAC, MI 48001-1618
Document Number	0000008816
Book / Page	5919 / 689
Instrument Date	Apr 17, 2026
Instrument	20268816
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 STATE ST, ALGONAC, MI 48001-1618

Mortgage

Document Number	0000008816,
Date	Apr 30, 2026
Book Page	5919/689
Instrument	20268816

Lender

Name	MICHIGAN SCHOOLS AND GOV'T CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 15, 2041

Interest

Rate Type	Fixed Rate
Rate	5.54%
Initial Type	Fixed Rate
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 1, 2021
Property Address	530 STATE ST, ALGONAC, MI 48001-1618
Document Number	0005456657
Book / Page	5456 / 657
Map Reference	LB 49 PG 10
Instrument Date	Nov 5, 2021
Instrument	2021033594
Transaction Type	Transfer
Record Updated	Dec 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$892.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1465 CHARTIER RD, 1465, MARINE CITY, MI 48039-2328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 DICKENSON ST, ROMEO, MI 48065-4722

Mortgage

Document Number	0005453476
Date	Nov 22, 2021
Book Page	5453/476
Instrument	2021032897

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 28, 2017
Property Address	530 STATE ST, ALGONAC, MI 48001-1618
Document Number	0048740059
Book / Page	004874 / 000059
Instrument Date	Aug 28, 2017
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	STERLING TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$851.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1465 CHARTIER RD MARINE CITY MI 480392328, MARINE CITY, MI 48039-2328

Mortgage

Document Number	48740061
Date	Sep 28, 2017
Book Page	004874/000061

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2047

Mortgage

Document Number	48740071,
Date	Sep 28, 2017
Book Page	004874/000071

Lender

Name	COMMUNITY DEV CORP
Type	Construction/Development Company
Address	LANSING, MI 48912

Agreement

Amount	Amount Recorded

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		$75,100 (+2.74%)	$150,200 (+2.74%)
2025	$2,744.00 (+2.08%) Homeowner's exemption	$73,100 (+16.03%)
2024	$2,688.00 (+12.28%)		$146,200 (+16.03%)
2023		$63,000
2022	$2,394.00		$126,000

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 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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