St. Clair County property record for 855 Smith St, Algonac, MI 48001 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Architecture Style | Ranch |
| Square Footage | 880 sqft Living Area |
| Lot Size | 7,841 sqft (0.18 acres) |
| Garage | 576 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $110,000 (2022) |
| Tax Bill | $1,004.00 (2025) |
| Primary APN | 74-01-105-0045-050 |
|---|
| Full Baths | 1 Baths |
|---|---|
| Building Area | 880 sqft Living Area |
| 1st Floor | 880 sqft 1st Floor |
| Stories | 1 Stories |
| Architectural Style | Ranch Style |
|---|---|
| Lot Area | 7,841 sqft (0.18 acres) |
| Depth X Width | 120 ft x 65 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Area | 576 sqft Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 855 SMITH ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1444 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NW'LY 65' OF LOTS 3 & 4 BLK 24 MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 ST CLAIR COUNTY REGISTER OF DEEDS |
| Legal Subdivision | VILLAGE OF ALGONAC |
| Legal Block | 24 |
| Legal Lot Number | 3-4 |
| Jurisdiction | SAINT CLAIR MI |
| Minor Civil Division | ALGONAC |
| Census Blockgroup | 2 |
| Census Block | 2021 |
| Census Tract | 649000 |
Source: St. Clair County records · APN 74-01-105-0045-050
Assessment roll updated October 7, 2025 · Last verified July 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 | 855 SMITH ST, ALGONAC, MI 48001-1444 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Mar 25, 2024 | Intrafamily Transfer, Transfer |
| Jan 05, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 05, 2022 · Amount on Record |
| Deed Sale | Jan 05, 2022 · Amount on Record |
| Deed Doc Number | 2022426 |
| Deed Book / Page | 5472 / 150 |
| Last Transfer Date | Mar 22, 2024 |
| Transfer Doc | 0005699606 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jun 22, 2026 |
| Property Address | 855 SMITH ST, ALGONAC, MI 48001-1444 |
| Document Number | 0000012473 |
| Book / Page | 5935 / 639 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 202612473 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 855 SMITH ST, ALGONAC, MI 48001-1444 |
| Document Number | 0000012473, |
|---|---|
| Date | Jun 22, 2026 |
| Book Page | 5935/639 |
| Instrument | 202612473 |
| Name | COASTAL COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Mar 25, 2024 |
| Property Address | 855 SMITH ST, ALGONAC, MI 48001-1444 |
| Document Number | 0005699606 |
| Book / Page | 5699 / 606 |
| Map Reference | LB F PG 51 OF PLS |
| Instrument Date | Mar 22, 2024 |
| Instrument | 2024004731 |
| Transaction Type | Transfer |
| Record Updated | May 06, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 855 SMITH ST, ALGONAC, MI 48001-1444 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 855 SMITH ST, ALGONAC, MI 48001-1444 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 05, 2022 |
| Property Address | 855 SMITH ST, ALGONAC, MI 48001-1444 |
| Document Number | 0005472150 |
| Book / Page | 5472 / 150 |
| Map Reference | LB F PG 51 |
| Instrument Date | Nov 17, 2021 |
| Instrument | 2022000426 |
| Transaction Type | Transfer |
| Record Updated | Feb 01, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 129 VENETIAN WAY, 129, ALGONAC, MI 48001-1383 |
| Name | Verified Name |
|---|---|
| Address | 855 SMITH ST, ALGONAC, MI 48001-1444 |
| Document Number | 2022000427 |
|---|---|
| Date | Jan 05, 2022 |
| Instrument | 2022000427 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified July 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 | $1,004.00 (-39%) Homeowner's exemption | $81,500 (+22.37%) | |
| 2024 | $1,646.00 (+18.93%) | $163,000 (+22.37%) | |
| 2023 | $66,600 | ||
| 2022 | $1,384.00 | $133,200 |
855 Smith St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · St. Clair County (26147C), updated July 20, 2022
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 52nd in Michigan |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures