955 Liberty St, Algonac, MI 48001 Property Records

St. Clair County property record for 955 Liberty St, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 968 sqft · built 1970
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Sep 2017)
Tax Bill	$1,230 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`74-01-119-0015-000`

Property Details

APN / Parcel Number

Primary APN	`74-01-119-0015-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	968 sqft Living Area
1st Floor Area	968 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	110 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	955 LIBERTY ST
City	ALGONAC
State	MI
Zip	48001-1278
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 16 ASSESSORS WORFOLK PLAT
Legal Subdivision	ASSESSORS
Legal Lot Number	16
Legal Unit	16
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	ALGONAC
Census Block Group	3
Census Block	3009
Census Tract	649000

Owner

955 Liberty St is owned and occupied by an individual who bought it in September 2017.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	955 LIBERTY ST, ALGONAC, MI 48001-1278
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERIFIRST FIN'L CORP
Sep 8, 2017	Warranty Deed, Transfer AMERIFIRST FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2017 · Amount on File
Deed Sale	Sep 8, 2017 · Amount on File
Prior Sale	Oct 24, 2005 · Amount on File
Deed Document Number	201721502
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	955 LIBERTY ST, ALGONAC, MI 48001-1278
Document Number	0052020267
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 8, 2020
Title Company	CISLO TITLE, CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	955 LIBERTY ST ALGONAC MI 480011278, ALGONAC, MI 48001-1278

Mortgage

Document Number	0052020267
Date	Jun 22, 2020
Book Page	005202/000267

Lender

Name	AMERIFIRST FIN'L CORP
Address	PORTAGE, MI 49002

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 8, 2017
Property Address	955 LIBERTY ST, ALGONAC, MI 48001-1278
Document Number	0048660862
Book / Page	004866 / 000862
Instrument Date	Aug 28, 2017
Transaction Type	Transfer
Record Updated	Nov 7, 2017
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$817.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49469 AU KAC DR E CHESTERFIELD MI 48051, CHESTERFIELD, MI 48051

Mortgage

Document Number	48660575
Date	Sep 8, 2017
Book Page	004866/000575

Lender

Name	AMERIFIRST FIN'L
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 7, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 955 Liberty St was $1,230 with a homeowner's exemption, up 2.2% from the year before.

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		$56,600 (+4.04%)	$113,200
2025	$1,230.00 (+2.16%) Homeowner's exemption	$54,400
2024	$1,204.00		$108,800
2023		$44,000
2022	$1,064.00		$88,000

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

FEMA maps place 955 Liberty St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 955 Liberty St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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 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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