St. Clair County property record for 705 Washington St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,120 sqft · built 1995 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $122,000 (Jan 2018) |
| Tax Bill | $2,685 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Jan 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 74-01-105-0243-000 |
| Primary APN | 74-01-105-0243-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Modular |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 130 ft deep x 60 ft wide |
| Garage Area | 1,152 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 705 WASHINGTON ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1558 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 7 BLK 99 MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 ST CLAIR COUNTY REGISTER |
| Legal Subdivision | VILLAGE OF ALGONAC |
| Legal Block | 99 |
| Legal Lot Number | 7 |
| Legal Unit | 7 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 649000 |
705 Washington St is owned and occupied by two individuals who bought it in January 2018.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 705 WASHINGTON ST, ALGONAC, MI 48001-1558 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Jan 19, 2018 | Warranty Deed, Transfer · Conventional with PMI MAIN STREET BK |
| May 8, 2017 | Quit Claim Deed, Transfer QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 19, 2018 · Amount on File |
| Deed Sale | Jan 19, 2018 · Amount on File |
| Prior Sale | May 8, 2017 · Amount on File |
| Deed Document Number | 20181374 |
| Prior Transfer Date | Apr 26, 2017 |
| Prior Transfer Doc | 004828/061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 705 WASHINGTON ST, ALGONAC, MI 48001-1558 |
| Document Number | 0051760236 |
| Instrument Date | Mar 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 705 WASHINGTON ST ALGONAC MI 480011558, ALGONAC, MI 48001-1558 |
| Document Number | 0051760236 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 005176/000236 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 19, 2018 |
| Property Address | 705 WASHINGTON ST, ALGONAC, MI 48001-1558 |
| Document Number | 0049090047 |
| Book / Page | 004909 / 000047 |
| Instrument Date | Dec 29, 2017 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2018 |
| Title Company | STERLING TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,049.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9065 SHORT CUT RD IRA MI 480231910, IRA, MI 48023-1910 |
| Document Number | 49050387 |
|---|---|
| Date | Jan 19, 2018 |
| Book Page | 004905/000387 |
| Name | MAIN STREET BK |
|---|---|
| Type | Bank |
| Address | BINGHAM FARMS, MI 48025 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 18, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | May 8, 2017 |
| Property Address | 705 WASHINGTON ST, ALGONAC, MI 48001-1558 |
| Document Number | 0048280061 |
| Book / Page | 004828 / 000061 |
| Instrument Date | Apr 26, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2017 |
| Title Company | TITLE SOURCES INC |
| Amount | Amount on Record |
|---|---|
| Tax | $206.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 705 WASHINGTON ST ALGONAC MI 480011558, ALGONAC, MI 48001-1558 |
| Document Number | 48280062 |
|---|---|
| Date | May 8, 2017 |
| Book Page | 004828/000062 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 7, 2047 |
The 2025 property tax bill for 705 Washington St was $2,685 with a homeowner's exemption, up 2.1% 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 | $106,600 (+3.09%) | $213,200 | |
| 2025 | $2,685.00 (+2.05%) Homeowner's exemption | $103,400 | |
| 2024 | $2,631.00 | $206,800 | |
| 2023 | $85,700 | ||
| 2022 | $2,343.00 | $171,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 705 Washington St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 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 705 Washington St is low, with less than 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 94% of the US · lower than 87% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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