940 Howard St, Algonac, MI 48001 Property Records

St. Clair County property record for 940 Howard St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,092 sqft · built 1974
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$104,000 (Jun 2020)
Tax Bill	$2,541 (2025)
Deeds & Mortgages	Dec 2025 Transfer Jun 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`74-01-153-0052-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-153-0052-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	940 HOWARD ST
City	ALGONAC
State	MI
Zip	48001-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 53 R J MONTE ESTATES SUBD SEC 10 T2N R16E
Legal Range	16E
Legal Township	02N
Legal Section	10
Legal Subdivision	R J MONTE ESTATES SUBD
Legal Lot Number	53
Legal Unit	53
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3005
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	940 HOWARD ST, ALGONAC, MI 48001-1227
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Intrafamily Transfer, Transfer
Jun 29, 2020	Warranty Deed, Transfer HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2020 · Amount on Record
Deed Sale	Jun 29, 2020 · Amount on Record
Prior Sale	Apr 23, 2009 · Amount on Record
Deed Document Number	202014594
Deed Book / Page	5205 / 941
Last Transfer Date	Dec 4, 2025
Transfer Doc	0005877551
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 5, 2025
Property Address	940 HOWARD ST, ALGONAC, MI 48001-1227
Document Number	0005877551
Book / Page	5877 / 551
Map Reference	LB 73 PG 7
Instrument Date	Dec 4, 2025
Instrument	2025023286
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	940 HOWARD ST, ALGONAC, MI 48001-1227

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	940 HOWARD ST, ALGONAC, MI 48001-1227

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jun 29, 2020
Property Address	940 HOWARD ST, ALGONAC, MI 48001-1227
Document Number	0052050941
Book / Page	005205 / 000941
Instrument Date	Jun 22, 2020
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$29.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2025 RIVERVIEW DR ST CLAIR MI 480795290, ST CLAIR, MI 48079-5290

Mortgage

Document Number	52050942
Date	Jun 29, 2020
Book Page	005205/000942

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

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		$74,400 (+14.46%)	$148,800 (+14.46%)
2025	$2,541.00 (+2.09%) Homeowner's exemption	$65,000 (+5.18%)
2024	$2,489.00 (+12.32%)		$130,000 (+5.18%)
2023		$61,800
2022	$2,216.00		$123,600

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 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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