St. Clair County property record for 729 Howard St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,553 sqft |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $65,000 (Mar 1998) |
| Tax Bill | $3,423 (2024) |
| Deeds & Mortgages | Sep 2023 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 74-01-105-0100-000 |
| Primary APN | 74-01-105-0100-000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,553 sqft Living Area |
| Lot Area | 14,375 sqft (0.33 acres) |
|---|---|
| Lot Dimensions | 120 ft deep x 120 ft wide |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air |
|---|
| Account Number | 74011050100000 |
|---|---|
| Street Address | 729 HOWARD ST |
| City | ALGONAC |
| State | MI |
| Zip | 48001-1513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOTS 3 & 4 BLK 54 MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 ST CLAIR COUNTY |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 10 |
| Legal Subdivision | VILLAGE OF ALGONAC |
| Legal Block | 54 |
| Legal Lot Number | 3-4 4 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 649000 |
Source: St. Clair County records, as of October 6, 2025
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 | PO BOX 180381, UTICA, MI 48318-0381 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 1998 · Amount on Record |
| Deed Sale | Mar 30, 1998 · Amount on Record |
| Deed Document Number | 0001763430 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 729 HOWARD ST, ALGONAC, MI 48001-1513 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | PO BOX 180381, UTICA, MI 48318-0381 |
| Document Number | 0005652110 |
|---|---|
| Date | Sep 7, 2023 |
| Book Page | 5652/110 |
| Instrument | 2023015757 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Aug 21, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Clair County assessment roll, as of March 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $91,400 (+20.74%) | ||
| 2024 | $3,423.00 (+13.53%) | $182,800 (+20.74%) | |
| 2023 | $75,700 | ||
| 2022 | $3,015.00 | $151,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
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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