946 Howard St, Algonac, MI 48001 Property Records

St. Clair County property record for 946 Howard St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,744 sqft · built 2000
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$69,900 (Dec 2009)
Tax Bill	$2,932 (2025)
Deeds & Mortgages	May 2022 Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`74-01-153-0049-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-153-0049-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,744 sqft Living Area
1st Floor Area	1,744 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	120 ft deep x 65 ft wide
Garage Area	1,152 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	946 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 50 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	50
Legal Unit	50
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	946 HOWARD ST, ALGONAC, MI 48001-1227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Jun 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Mar 9, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/ESTN MI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2009 · Amount on Record
Deed Sale	Dec 28, 2009 · Amount on Record
Prior Sale	Jun 1, 2009 · Amount on Record
Deed Document Number	200928222
Deed Book / Page	4011 / 249
Last Transfer Date	Apr 1, 2012
Transfer Doc	4240/873
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	946 HOWARD ST, ALGONAC, MI 48001-1227
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 HOWARD ST, ALGONAC, MI 48001-1227

Mortgage

Document Number	0005517166
Date	May 3, 2022
Book Page	5517/166
Instrument	2022011095

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount Recorded
Term	239 Months
Due	Apr 1, 2042

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	946 HOWARD ST, ALGONAC, MI 48001-1227
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4957531
Date	Jun 15, 2018
Book Page	4957/531
Instrument	2018013775

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2033

Interest

Rate Type	Fixed Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	946 HOWARD ST, ALGONAC, MI 48001-1227
Document Number	0050410325
Instrument Date	Mar 9, 2019
Transaction Type	Mortgage
Record Updated	Apr 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	946 HOWARD ST ALGONAC MI 480011227, ALGONAC, MI 48001-1227

Mortgage

Document Number	0050410325
Date	Mar 27, 2019
Book Page	005041/000325

Lender

Name	FIFTH THIRD BK/ESTN MI
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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		$154,000 (+3.98%)	$308,000 (+3.98%)
2025	$2,932.00 (+2.05%) Homeowner's exemption	$148,100 (+15.25%)
2024	$2,873.00 (+12.27%)		$296,200 (+15.25%)
2023		$128,500
2022	$2,559.00		$257,000

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 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	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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