902 Liberty St, Algonac, MI 48001 Property Records

St. Clair County property record for 902 Liberty St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1970
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Dec 2023)
Tax Bill	$3,697 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Feb 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-01-105-0001-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-105-0001-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	1,152 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	902 LIBERTY ST
City	ALGONAC
State	MI
Zip	48001-1229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 1 BLK 11 MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 ST CLAIR COUNTY REGISTER
Legal Range	16E
Legal Township	02N
Legal Section	10
Legal Subdivision	VILLAGE OF ALGONAC
Legal Block	11
Legal Lot Number	1
Legal Unit	1
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3007
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	902 LIBERTY ST, ALGONAC, MI 48001-1229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Warranty Deed, Transfer · FHA Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
Feb 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2023 · Amount on Record
Deed Sale	Dec 15, 2023 · Amount on Record
Deed Document Number	202321756
Deed Book / Page	5677 / 6
Prior Transfer Date	Apr 28, 2006
Prior Transfer Doc	003548/682
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 15, 2023
Property Address	902 LIBERTY ST, ALGONAC, MI 48001-1229
Document Number	0000056776
Book / Page	5677 / 6
Map Reference	LB F PG 51
Instrument Date	Dec 4, 2023
Instrument	2023021756
Transaction Type	Transfer
Record Updated	Jan 2, 2024
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	902 LIBERTY ST, ALGONAC, MI 48001-1229

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5652 CHURCH RD, CASCO, MI 48064-4202

Mortgage

Document Number	0005679855
Date	Dec 28, 2023
Book Page	5679/855
Instrument	2023022371

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	6%
Index	Other
Max Rate	6%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	902 LIBERTY ST, ALGONAC, MI 48001-1229
Transaction Type	Mortgage
Record Updated	May 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 LIBERTY ST, ALGONAC, MI 48001-1229

Mortgage

Document Number	0000548315
Date	Feb 3, 2022
Book Page	5483/15
Instrument	2022002827

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2032

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		$101,100 (+2.64%)	$202,200 (+2.64%)
2025	$3,697.00 (+2.04%) Homeowner's exemption	$98,500 (+20.42%)
2024	$3,623.00 (+117.86%)		$197,000 (+20.42%)
2023		$81,800
2022	$1,663.00		$163,600

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 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 Record median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Aug 2000 · rainfall accumulation

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	None beyond ember reach

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 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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