St. Clair County property record for 612 Mill St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,659 sqft · built 1900 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $149,900 (Dec 2018) |
| Tax Bill | $2,017 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-01-129-0020-000 |
| Primary APN | 74-01-129-0020-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,659 sqft Living Area |
| 1st Floor Area | 1,083 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 149 ft deep x 60 ft wide |
| Garage Area | 880 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 612 MILL ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1332 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 457 SUPERVISOR ROY T GILBERT'S PLAT NO. 4 |
| Legal Subdivision | SUPERVISOR ROY T GILBERTS PLAT NO 4 |
| Legal Lot Number | 457 |
| Legal Unit | 457 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 649000 |
Source: St. Clair County records · APN 74-01-129-0020-000
Assessment roll updated October 7, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 612 MILL ST, ALGONAC, MI 48001-1332 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 23, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jun 18, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 03, 2018 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage MICHIGAN MUTUAL |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 03, 2018 · Amount on Record |
| Deed Sale | Dec 03, 2018 · Amount on Record |
| Prior Sale | Aug 30, 2011 · Amount on Record |
| Deed Document Number | 201826415 |
| Deed Book / Page | 5012 / 334 |
| Prior Transfer Date | Dec 13, 2005 |
| Prior Transfer Doc | 003483/768 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 612 MILL ST, ALGONAC, MI 48001-1332 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0005664639 |
|---|---|
| Date | Oct 23, 2023 |
| Book Page | 5664/639 |
| Instrument | 2023018783 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 03, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 612 MILL ST, ALGONAC, MI 48001-1332 |
| Transaction Type | Mortgage |
| Record Updated | Jul 05, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 612 MILL ST, ALGONAC, MI 48001-1332 |
| Document Number | 5381565 |
|---|---|
| Date | Jun 18, 2021 |
| Book Page | 5381/565 |
| Instrument | 2021018032 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Dec 03, 2018 |
| Property Address | 612 MILL ST, ALGONAC, MI 48001-1332 |
| Document Number | 0050120334 |
| Book / Page | 005012 / 000334 |
| Instrument Date | Nov 19, 2018 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 27, 2018 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,289.14 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 322 N WILLIAM ST MARINE CITY MI 480393701, MARINE CITY, MI 48039-3701 |
| Document Number | 50120336 |
|---|---|
| Date | Dec 03, 2018 |
| Book Page | 005012/000336 |
| Name | MICHIGAN MUTUAL |
|---|---|
| Type | Funding / Finance Company |
| Address | PORT HURON, MI 48060 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 02, 2048 |
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Algonac City |
| County | St. Clair County |
| Unified School District | Algonac Community School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,017.00 (-38.92%) Homeowner's exemption | $114,900 (+21.2%) | |
| 2024 | $3,302.00 (+12.2%) | $229,800 (+21.2%) | |
| 2023 | $94,800 | ||
| 2022 | $2,943.00 | $189,600 |
Source: FEMA National Flood Hazard Layer as of July 20, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 76 policies |
| Nearby Flood Policies | 76 in force |
| Nearby Flood Claims | 85 (1980–2021) |
| Claims Outside the SFHA | 44 of 85 |
| Most Recent Claim | Feb 2021 · river or lake flooding |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Based on FCC filings for 290 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF ALGONAC serves 4,110 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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