939 Howard St, Algonac, MI 48001 Property Records

St. Clair County property record for 939 Howard St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1976
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$182,000 (Jun 2022)
Tax Bill	$3,558 (2025)
Deeds & Mortgages	May 2022 Mortgage Jun 2022 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-01-113-0014-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-113-0014-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Area	1,344 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	939 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	LOT 16 & E 25' LOT 19 ASSESSORS REPLAT OF LOTS 51 TO 60 INC & A PART OF LOT 50 ALGONAC ASSESSORS PLAT
Legal Subdivision	ASSESSORS
Legal Lot Number	16,19
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	939 HOWARD ST, ALGONAC, MI 48001-1249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jun 15, 2022	Warranty Deed, Transfer DEVON TITLE COMPANY, DEVON TITLE AGENCY
Aug 13, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2022 · Amount on Record
Deed Sale	Jun 15, 2022 · Amount on Record
Deed Document Number	202214569
Deed Book / Page	5532 / 378
Prior Transfer Date	Jul 8, 2020
Prior Transfer Doc	0000522628
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	939 HOWARD ST, ALGONAC, MI 48001-1249
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	939 HOWARD ST, ALGONAC, MI 48001-1249

Mortgage

Document Number	0005524850
Date	May 24, 2022
Book Page	5524/850
Instrument	2022012854

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 15, 2022
Property Address	939 HOWARD ST, ALGONAC, MI 48001-1249
Document Number	0005532378
Book / Page	5532 / 378
Map Reference	LB 60 PG 8
Instrument Date	May 16, 2022
Instrument	2022014569
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	939 HOWARD ST, 939, ALGONAC, MI 48001-1249

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10245 DIXIE HWY, IRA, MI 48023-1773

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 13, 2020
Property Address	939 HOWARD ST, ALGONAC, MI 48001-1249
Document Number	0052260028
Book / Page	005226 / 000028
Instrument Date	Jul 8, 2020
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	939 HOWARD ST ALGONAC MI 480011249, ALGONAC, MI 48001-1249

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		$94,000 (+2.51%)	$188,000 (+2.51%)
2025	$3,558.00 (+2.04%) Homeowner's exemption	$91,700 (+15.35%)
2024	$3,487.00 (+130.17%)		$183,400 (+15.35%)
2023		$79,500
2022	$1,515.00		$159,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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