12178 Stephens Rd, Warren, MI 48089 Property Records

Macomb County property record for 12178 Stephens Rd, Warren, MI 48089

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,181 sqft · built 1940
Lot Size	0.367 acres (15,987 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Oct 2025)
Tax Bill	$1,761 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-13-26-301-028`

Property Details

APN / Parcel Number

Primary APN	`12-13-26-301-028`
Alternative APN	`1326301028`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,181 sqft Living Area
Gross Area	1 sqft
1st Floor Area	1,181 sqft
Basement Area	824 sqft
Unfinished Basement	824 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	15,987 sqft (0.367 acres)
Lot Dimensions	127 ft deep x 126 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	12178 STEPHENS RD
City	WARREN
State	MI
Zip	48089-3959
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-C
Legal Description	SUPERVISORS PLAT NO 14 OF DENG'S SMALL FARMS N 136.0 FT LOT 35 AND N 95.0 FT OF LOT 36. L.19 P.2
Legal Subdivision	SUPERVISORS PLAT
Legal Lot Number	35-36
Jurisdiction	MACOMB MI
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1009
Census Tract	268400

Owner

Source: Macomb County assessment roll, as of July 6, 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 File
Mailing Address	2200 CROOKS RD, TROY, MI 48084-5325
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 28, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 11, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 28, 2025 · Amount on Record
Deed Sale	Oct 28, 2025 · Amount on Record
Deed Document Number	202596658
Deed Book / Page	30359 / 491
Prior Transfer Date	Apr 9, 2022
Prior Transfer Doc	0000050362
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	12178 STEPHENS RD, WARREN, MI 48089-3959
Transaction Type	Mortgage
Record Updated	Nov 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2200 CROOKS RD, TROY, MI 48084-5325

Mortgage

Document Number	2500094512
Date	Oct 21, 2025
Book Page	30348/68
Instrument	202500094512

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Oct 28, 2025
Property Address	12178 STEPHENS RD, WARREN, MI 48089-3959
Document Number	2500096658
Book / Page	30359 / 491
Map Reference	LB 19 PG 2
Instrument Date	Oct 17, 2025
Instrument	202500096658
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	TITLE SENSE INC, TITLE ONE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,087.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12178 STEPHENS RD, WARREN, MI 48089-3959

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2200 CROOKS RD, TROY, MI 48084-5325

Mortgage

Document Number	0000034868
Date	Oct 28, 2025
Instrument	30348/68

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MACOMB MI
Recording Date	Apr 11, 2022
Property Address	12178 STEPHENS RD, WARREN, MI 48089-3959
Document Number	2200050362
Book / Page	28546 / 815
Map Reference	LB 19 PG 2
Instrument Date	Apr 9, 2022
Instrument	202200050362
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12178 STEPHENS RD, 12178, WARREN, MI 48089-3959

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16854 ADMIRAL, FRASER, MI 48026-3249

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
Municipality	Warren City
Unified School District	Van Dyke Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$88,150 (+3.39%)	$176,300 (+3.39%)
2025	$1,761.00 (+2.5%) Homeowner's exemption	$85,260 (+54.96%)	$170,520 (+54.96%)
2024	$1,718.00 (+7.91%)
2023		$55,020	$110,040
2022	$1,592.00

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 October 4, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WARREN serves 134,056 people · EPA ID MI0006900
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Feb 2025
Lead	3 ppb (2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile USA.

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