923 Howard St, Algonac, MI 48001 Property Records

St. Clair County property record for 923 Howard St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 780 sqft · built 1945
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$56,000 (Jul 2017)
Tax Bill	$2,090 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74-01-113-0001-100`

Property Details

APN / Parcel Number

Primary APN	`74-01-113-0001-100`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	780 sqft Living Area
1st Floor Area	624 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Area	432 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	923 HOWARD ST
City	ALGONAC
State	MI
Zip	48001-1249
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	SE 50' OF LOT 1 ASSESSORS REPLAT OF LOTS 51 TO 60 INCL & PART LOT 50 ALGONAC ASSESSORS PLAT
Legal Subdivision	ASSESSORS
Legal Lot Number	1,50-60
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3006
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	923 HOWARD ST, ALGONAC, MI 48001-1249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2017 · Amount on Record
Deed Sale	Jul 12, 2017 · Amount on Record
Prior Sale	Jul 22, 2011 · Amount on Record
Deed Document Number	201717230
Deed Book / Page	4848 / 521
Prior Transfer Date	May 14, 2009
Prior Transfer Doc	003949/090
Record Updated	Oct 29, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 12, 2017
Property Address	923 HOWARD ST, ALGONAC, MI 48001-1249
Document Number	0048480521
Book / Page	004848 / 000521
Instrument Date	Jun 23, 2017
Transaction Type	Transfer
Record Updated	Aug 22, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 WESTLAWN ST MOUNT CLEMENS MI 480436509, MOUNT CLEMENS, MI 48043-6509

Mortgage

Document Number	48480523
Date	Jul 12, 2017
Book Page	004848/000523

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 11, 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		$68,900 (+3.3%)	$137,800 (+3.3%)
2025	$2,090.00 (+2.1%) Homeowner's exemption	$66,700 (+16.2%)
2024	$2,047.00 (+12.53%)		$133,400 (+16.2%)
2023		$57,400
2022	$1,819.00		$114,800

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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