927 Howard St, Algonac, MI 48001 Property Records

St. Clair County property record for 927 Howard St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,050 sqft
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$62,000 (Oct 2019)
Tax Bill	$2,332 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`74-01-113-0004-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-113-0004-000`

Interior

Full Baths	1 Bath
Building Area	1,050 sqft Living Area
1st Floor Area	840 sqft

Exterior

Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Area	704 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	927 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'LY 1/2 OF LOT 5 ASSESSORS REPLAT OF LOTS 51 TO 60 INC & A PART OF LOT 50 ALGONAC ASSESSORS PLAT
Legal Subdivision	ASSESSORS
Legal Lot Number	5,50-60
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	927 HOWARD ST, ALGONAC, MI 48001-1249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Line of Credit UNION HOME MORTGAGE CORP
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Oct 7, 2019	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2019 · Amount on Record
Deed Sale	Oct 7, 2019 · Amount on Record
Prior Sale	Oct 19, 2015 · Amount on Record
Deed Document Number	201920756
Deed Book / Page	5105 / 71
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	927 HOWARD ST, ALGONAC, MI 48001-1249
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005850560
Date	Sep 15, 2025
Book Page	5850/560
Instrument	2025017288

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	8241 DOW CIR, STRONGSVILLE, OH 44136

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2045

Interest

Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	927 HOWARD ST, ALGONAC, MI 48001-1249
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	927 HOWARD ST, ALGONAC, MI 48001-1249

Mortgage

Document Number	533888
Date	Mar 22, 2021
Book Page	5338/88
Instrument	2021008212

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 7, 2019
Property Address	927 HOWARD ST, ALGONAC, MI 48001-1249
Document Number	510571
Book / Page	5105 / 71
Map Reference	LB 60 PG 8
Instrument Date	Sep 23, 2019
Instrument	2019020756
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$533.20
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	955 MILL ST, ALGONAC, MI 48001-1098

Mortgage

Document Number	2019020757
Date	Oct 7, 2019
Instrument	2019020757

Lender

Name	UNION HOME MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$70,700 (+3.82%)	$141,400 (+3.82%)
2025	$2,332.00 (+2.06%) Homeowner's exemption	$68,100 (+18.64%)
2024	$2,285.00 (+12.45%)		$136,200 (+18.64%)
2023		$57,400
2022	$2,032.00		$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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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

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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