721 Smith St, Algonac, MI 48001 Property Records

St. Clair County property record for 721 Smith St, Algonac, MI 48001 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,132 sqft · built 1940
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$59,500 (Mar 2018)
Tax Bill	$814 (2025)
Deeds & Mortgages	May 2022 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-01-105-0142-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-105-0142-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,132 sqft Living Area
1st Floor Area	1,132 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	120 ft deep x 70 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	721 SMITH ST
City	ALGONAC
State	MI
Zip	48001-1442
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 LOTS 3 & 4 BLK 59 & W 1/2 OF VAC ALLEY ADJ MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 ST CLAIR COUNTY REGISTER OF DEEDS SEC 10 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	10
Legal Subdivision	VILLAGE OF ALGONAC
Legal Block	59
Legal Lot Number	3-4
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	2
Census Block	2028
Census Tract	649000

Owner

Source: St. Clair County records · APN 74-01-105-0142-000

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	Individual Name on File
Mailing Address	721 SMITH ST, ALGONAC, MI 48001-1442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Jul 15, 2021	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA
Mar 07, 2018	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MTG/MI
Mar 07, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 07, 2018 · Amount on Record
Deed Sale	Mar 07, 2018 · Amount on Record
Deed Document Number	20185093
Deed Book / Page	4923 / 431
Prior Transfer Date	Jan 26, 2018
Prior Transfer Doc	004923/432
Record Updated	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	721 SMITH ST, ALGONAC, MI 48001-1442
Transaction Type	Mortgage
Record Updated	Jun 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 SMITH ST, ALGONAC, MI 48001-1442

Mortgage

Document Number	0005521822
Date	May 16, 2022
Book Page	5521/822
Instrument	2022012079

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Apr 01, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	721 SMITH ST, ALGONAC, MI 48001-1442
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 SMITH ST, ALGONAC, MI 48001-1442

Mortgage

Document Number	539367
Date	Jul 15, 2021
Book Page	5393/67
Instrument	2021020388

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Feb 01, 2048

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 07, 2018
Property Address	721 SMITH ST, ALGONAC, MI 48001-1442
Document Number	0049230432
Book / Page	004923 / 000432
Instrument Date	Jan 26, 2018
Transaction Type	Transfer
Record Updated	Mar 20, 2018
Title Company	BELL TITLE AGENCY/CHESTERFIELD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$584.80
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 SMITH ST ALGONAC MI 480011442, ALGONAC, MI 48001-1442

Mortgage

Document Number	49230434
Date	Mar 07, 2018
Book Page	004923/000434

Lender

Name	FIFTH THIRD MTG/MI
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 06, 2048

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 07, 2018
Property Address	721 SMITH ST, ALGONAC, MI 48001-1442
Document Number	0049230431
Book / Page	004923 / 000431
Instrument Date	Dec 03, 2007
Transaction Type	Transfer
Record Updated	Mar 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$511.70
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	937 HOWARD ST ALGONAC MI 480011249, ALGONAC, MI 48001-1249

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified April 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

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	$814.00 (-34.09%) Homeowner's exemption	$70,500 (+26.57%)
2024	$1,235.00 (+13.2%)		$141,000 (+26.57%)
2023		$55,700
2022	$1,091.00		$111,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), updated July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476490002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	6 in force
Nearby Flood Claims	13 (1984–2021)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Feb 2021, other causes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 290 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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