940 Summer St, Algonac, MI 48001 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,680 sqft · built 2013
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Company Names on Record
Last Sale	$269,000 (Feb 2023)
Tax Bill	$5,408 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2023 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`74-01-107-0056-010`

Property Details

APN / Parcel Number

Primary APN	`74-01-107-0056-010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,648 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Ranch
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	221 ft deep x 105 ft wide
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	940 SUMMER ST
City	ALGONAC
State	MI
Zip	48001-1244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-1
Legal Description	PART OF OUTLOT C DESC AS: THE E'LY 105' OF W'LY 205', MEAS PARALEL TO W'LY LINE OF OUTLOT C ALGONAC ASSESSORS PLAT
Legal Subdivision	ASSESSORS
Legal Lot Number	C
Legal Unit	C
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3002
Census Tract	649000

Owner

Source: St. Clair County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	940 SUMMER ST, ALGONAC, MI 48001-1244
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 8, 2021	Deed of Trust, Mortgage · Line of Credit NORTHSTAR BANK
Jul 27, 2022	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Feb 23, 2023	Warranty Deed, Transfer TITLE SOLUTIONS AGENCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2023 · Amount on Record
Deed Sale	Feb 23, 2023 · Amount on Record
Deed Document Number	20232971
Deed Book / Page	5600 / 518
Prior Transfer Date	Jan 26, 2013
Prior Transfer Doc	004351/838
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	940 SUMMER ST, ALGONAC, MI 48001-1244
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 SUMMER ST, ALGONAC, MI 48001-1244

Mortgage

Document Number	0005900830
Date	Feb 26, 2026
Book Page	5900/830
Instrument	2026003695

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	940 SUMMER ST, ALGONAC, MI 48001-1244
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6356 GENAW RD, COTTRELLVILLE, MI 48039-3103

Mortgage

Document Number	0005595582
Date	Feb 1, 2023
Book Page	5595/582
Instrument	2023001712

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	940 SUMMER ST, ALGONAC, MI 48001-1244
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 SUMMER ST, ALGONAC, MI 48001-1244

Mortgage

Document Number	0005460494
Date	Dec 8, 2021
Book Page	5460/494
Instrument	2021034380

Lender

Name	NORTHSTAR BANK
Type	Bank
Address	ALGONAC, MI 48001

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	940 SUMMER ST, ALGONAC, MI 48001-1244
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 SUMMER ST, ALGONAC, MI 48001-1244

Mortgage

Document Number	0000554662
Date	Jul 27, 2022
Book Page	5546/62
Instrument	2022017822

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Feb 23, 2023
Property Address	940 SUMMER ST, ALGONAC, MI 48001-1244
Document Number	0005600518
Book / Page	5600 / 518
Map Reference	LB 49 PG 8
Instrument Date	Jan 30, 2023
Instrument	2023002971
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	TITLE SOLUTIONS AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$2,017.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	934 SUMMER ST, ALGONAC, MI 48001-1244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 SUMMER ST, ALGONAC, MI 48001-1244

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		$145,800 (+4.14%)	$291,600 (+4.14%)
2025	$5,408.00 (+2%) Homeowner's exemption	$140,000 (+15.13%)
2024	$5,302.00 (+235.36%)		$280,000 (+15.13%)
2023		$121,600
2022	$1,581.00		$243,200

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 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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