822 Howard St, Algonac, MI 48001 Property Records

St. Clair County property record for 822 Howard St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Nov 2019)
Tax Bill	$217 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`74-01-105-0071-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-105-0071-000`

Exterior

Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	280 sqft

Location & Zoning

Street Address	822 HOWARD ST
City	ALGONAC
State	MI
Zip	48001-1515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	E 1/2 LOTS 1 & 2 BLK 28 MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 ST CLAIR
Legal Range	16E
Legal Township	02N
Legal Section	10
Legal Subdivision	VILLAGE OF ALGONAC
Legal Block	28
Legal Lot Number	1-2
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	4
Census Block	4000
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	822 HOWARD ST, ALGONAC, MI 48001-1515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Jan 14, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Oct 12, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 12, 2019	Warranty Deed, Transfer · FHA Mortgage NATIONS DIRECT MORTGAGE LLC
Jan 30, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2019 · Amount on Record
Deed Sale	Nov 12, 2019 · Amount on Record
Prior Sale	Nov 7, 2012 · Amount on Record
Deed Document Number	201923733
Deed Book / Page	5119 / 515
Last Transfer Date	Sep 30, 2020
Transfer Doc	0005254810
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	822 HOWARD ST, ALGONAC, MI 48001-1515
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 HOWARD ST, ALGONAC, MI 48001-1515

Mortgage

Document Number	0005468148
Date	Dec 27, 2021
Book Page	5468/148
Instrument	2021035905

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	822 HOWARD ST, ALGONAC, MI 48001-1515
Transaction Type	Mortgage
Record Updated	Feb 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 HOWARD ST, ALGONAC, MI 48001-1515

Mortgage

Document Number	0053020591
Date	Jan 14, 2021
Book Page	5302/591
Instrument	2021001176

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	48 Months
Due	Jan 1, 2025

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 12, 2020
Property Address	822 HOWARD ST, ALGONAC, MI 48001-1515
Document Number	0052540810
Book / Page	005254 / 000810
Instrument Date	Sep 30, 2020
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 HOWARD ST ALGONAC MI 480011515, ALGONAC, MI 48001-1515

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 12, 2019
Property Address	822 HOWARD ST, ALGONAC, MI 48001-1515
Document Number	0005119515
Book / Page	5119 / 515
Map Reference	LB F PG 51
Instrument Date	Oct 31, 2019
Instrument	2019023733
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,539.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 WILLIAM ST, HARSENS ISLAND, MI 48028-7702

Mortgage

Document Number	2019023734
Date	Nov 12, 2019
Instrument	2019023734

Lender

Name	NATIONS DIRECT MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 30, 2017
Property Address	822 HOWARD ST, ALGONAC, MI 48001-1515
Document Number	0047950408
Book / Page	004795 / 000408
Instrument Date	Dec 12, 2016
Transaction Type	Transfer
Record Updated	Mar 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$103.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 HOWARD ST ALGONAC MI 480011515, ALGONAC, MI 48001-1515

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		$139,400 (+4.11%)	$278,800 (+4.11%)
2025	$217.00 (+3.33%) Homeowner's exemption	$133,900
2024	$210.00 (+21.39%)		$267,800
2022	$173.00

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 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.

Wildfire

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	Direct burnable vegetation

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 290 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

May also be available: AT&T.

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