St. Clair County property record for 903 Smith St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,030 sqft · built 1948 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $104,900 (Jan 2018) |
| Tax Bill | $2,294 (2024) |
| Deeds & Mortgages | Sep 2020 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-01-105-0023-150 |
| Primary APN | 74-01-105-0023-150 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,030 sqft Living Area |
| Year Built | Built 1948 |
|---|---|
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 74011050023150 |
|---|---|
| Street Address | 903 SMITH ST |
| City | ALGONAC |
| State | MI |
| Zip | 48001-1216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | E 1/2 OF LOTS 3 & 4 BLK 17 MAP OF THE VILLAGE OF ALGONAC ACCORDING TO THE PLAT RECORDED IN LIBER F OF PLATS PG 51 ST CLAIR |
| Legal Subdivision | VILLAGE OF ALGONAC |
| Legal Block | 17 |
| Legal Lot Number | 3-4 4 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 649000 |
Source: St. Clair County records · APN 74-01-105-0023-150
Assessment roll updated March 1, 2025 · Last verified October 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 File |
|---|---|
| Mailing Address | 903 SMITH ST, ALGONAC, MI 48001-1216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2020 | Deed of Trust, Mortgage QUICKEN LOANS LLC |
| Oct 29, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Jan 30, 2018 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 30, 2018 · Amount on Record |
| Deed Sale | Jan 30, 2018 · Amount on Record |
| Prior Sale | May 14, 2014 · Amount on Record |
| Deed Document Number | 2018002337 |
| Deed Book / Page | 004912 / 000905 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 903 SMITH ST, ALGONAC, MI 48001-1216 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 903 SMITH ST, ALGONAC, MI 48001-1216 |
| Document Number | 0052420375 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 5242/375 |
| Instrument | 2020022627 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount Recorded |
|---|---|
| Term | 241 Months |
| Due | Oct 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 903 SMITH ST, ALGONAC, MI 48001-1216 |
| Document Number | 0051170785 |
| Instrument Date | Oct 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 903 SMITH ST ALGONAC MI 480011216, ALGONAC, MI 48001-1216 |
| Document Number | 0051170785 |
|---|---|
| Date | Nov 07, 2019 |
| Book Page | 005117/000785 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 06, 2044 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 30, 2018 |
| Property Address | 903 SMITH ST, ALGONAC, MI 48001-1216 |
| Document Number | 0049120905 |
| Book / Page | 004912 / 000905 |
| Instrument Date | Jan 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2018 |
| Title Company | ASK SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $902.14 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 232 N MARY ST MARINE CITY MI 480393453, MARINE CITY, MI 48039-3453 |
| Document Number | 49110510 |
|---|---|
| Date | Jan 30, 2018 |
| Book Page | 004911/000510 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 29, 2048 |
Source: St. Clair County records · Assessment roll updated March 1, 2025 · Last verified October 2025
| 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 | $83,000 (+22.96%) | ||
| 2024 | $2,294.00 (+12.4%) | $166,000 (+22.96%) | |
| 2023 | $67,500 | ||
| 2022 | $2,041.00 | $135,000 |
Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), as of July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476490003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Based on FCC filings for 290 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MI0000110, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF ALGONAC serves 4,110 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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