St. Clair County property record for 978 Lee St, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,248 sqft · built 2000 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $84,500 (Jan 2020) |
| Tax Bill | $2,164 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-01-117-0061-000 |
| Primary APN | 74-01-117-0061-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 104 ft deep x 60 ft wide |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 978 LEE ST |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-1023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 78 ASSESSORS OAKWOOD PLAT SEC 03 T2N R16E |
| Legal Range | 16E |
| Legal Township | 02N |
| Legal Section | 03 |
| Legal Subdivision | ASSESSORS |
| Legal Lot Number | 78 |
| Legal Unit | 78 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ALGONAC |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 649000 |
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 | 978 LEE ST, ALGONAC, MI 48001-1023 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 8, 2024 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Feb 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PLATINUM HOME MORTGAGE CORP |
| Jan 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK |
| Aug 28, 2017 | Reverse Mortgage, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2020 · Amount on Record |
| Deed Sale | Jan 13, 2020 · Amount on Record |
| Deed Document Number | 20201079 |
| Deed Book / Page | 5140 / 724 |
| Prior Transfer Date | Aug 9, 2017 |
| Prior Transfer Doc | 2017020476 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 978 LEE ST, ALGONAC, MI 48001-1023 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 978 LEE ST, ALGONAC, MI 48001-1023 |
| Document Number | 0005703950 |
|---|---|
| Date | Apr 8, 2024 |
| Book Page | 5703/950 |
| Instrument | 2024006175 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | 5555 CLEVELAND AVE, COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 25, 2054 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 978 LEE ST, ALGONAC, MI 48001-1023 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 978 LEE ST, ALGONAC, MI 48001-1023 |
| Document Number | 0053220001 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 5322/1 |
| Instrument | 2021005011 |
| Name | PLATINUM HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROLLING MEADOWS, IL 60008 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 13, 2020 |
| Property Address | 978 LEE ST, ALGONAC, MI 48001-1023 |
| Document Number | 0005140724 |
| Book / Page | 5140 / 724 |
| Map Reference | LB 54 PG 1 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 2020001079 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $726.70 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 978 LEE ST, ALGONAC, MI 48001-1023 |
| Document Number | 2020001080 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 2020001080 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Reverse Mortgage |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Aug 28, 2017 |
| Property Address | 978 LEE ST, ALGONAC, MI 48001-1023 |
| Document Number | 0048620398 |
| Book / Page | 004862 / 000398 |
| Instrument Date | Aug 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2017 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 978 LEE ST ALGONAC MI 480011023, ALGONAC, MI 48001-1023 |
| Document Number | 48620400 |
|---|---|
| Date | Aug 28, 2017 |
| Book Page | 004862/000400 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 900 Months |
| Due | Aug 27, 2092 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.58% |
| Document Number | 48620415, |
|---|---|
| Date | Aug 28, 2017 |
| Book Page | 004862/000415 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 900 Months |
| Due | Aug 27, 2092 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.58% |
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Algonac City |
| County | St. Clair County |
| Unified School District | Algonac Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $75,900 (+3.55%) | $151,800 (+3.55%) | |
| 2025 | $2,164.00 (+2.08%) Homeowner's exemption | $73,300 (+23.82%) | |
| 2024 | $2,120.00 (+12.53%) | $146,600 (+23.82%) | |
| 2023 | $59,200 | ||
| 2022 | $1,884.00 | $118,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 76 policies |
| Nearby Flood Policies | 76 in force |
| Nearby Flood Claims | 85 (1980–2021) |
| Claims Outside the SFHA | 44 of 85 |
| Most Recent Claim | Feb 2021 · river or lake flooding |
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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 222 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 |
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