12210 Bugle Lake Dr, Bruce (Romeo), MI 48065 Property Records

Macomb County property record for 12210 Bugle Lake Dr, Bruce, MI 48065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,919 sqft · built 2023
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$109,000 (Nov 2021)
Tax Bill	$9,764 (2025)
Deeds & Mortgages	Aug 2022 Construction Loan Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-01-14-300-034`

Property Details

APN / Parcel Number

Primary APN	`14-01-14-300-034`
Alternative APN	`0114300034`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,919 sqft Living Area
1st Floor Area	1,749 sqft
Basement Area	1,749 sqft
Unfinished Basement	1,749 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	43,560 sqft (1 acres)
Garage Area	989 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12210 BUGLE LK DR
City	BRUCE TWP
State	MI
Zip	48065-2657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	T5N, R12E, SEC 14 2005 SPLIT PARCEL D - ELK HORN ESTATES COMM AT CEN PT SEC 14; TH N8855'26"E 123.98 FT; TH S O104' 39" E
Legal Range	12E
Legal Township	05N
Legal Section	14
Legal Subdivision	SPLIT PARCEL D - ELK HORN ESTATES
Jurisdiction	MACOMB MI
Township / Civil Division	BRUCE
Census Block Group	1
Census Block	1022
Census Tract	214000

Owner

12210 Bugle Lake Dr is owned and occupied by two individuals who bought it in November 2021.

Source: Macomb County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12210 BUGLE LK DR, BRUCE TWP, MI 48065-2657
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
Aug 18, 2022	Deed of Trust, Mortgage · Construction Mortgage FLAGSTAR BANK FSB
Nov 10, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2021 · Amount on File
Deed Sale	Nov 10, 2021 · Amount on File
Deed Document Number	20212269386
Deed Book / Page	28188 / 735
Prior Transfer Date	Jun 7, 2005
Prior Transfer Doc	0000190766
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	12210 BUGLE LK DR, BRUCE TWP, MI 48065-2657
Transaction Type	Mortgage
Record Updated	Jul 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12210 BUGLE LK DR, BRUCE TWP, MI 48065-2657

Mortgage

Document Number	2200099366
Date	Aug 18, 2022
Book Page	28771/203
Instrument	202200099366

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Aug 1, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Nov 10, 2021
Property Address	12210 BUGLE LK DR, BRUCE TWP, MI 48065-2657
Document Number	2102269386
Book / Page	28188 / 735
Map Reference	LB 16655 PG 81
Instrument Date	Oct 19, 2021
Instrument	202102269386
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	STERLING TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$817.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15224 RIVIERA SHORES DR, HOLLY, MI 48442-1130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12210 BUGLE LK DR, BRUCE TWP, MI 48065-2657

Mortgage

Document Number	2102269387
Date	Nov 10, 2021
Instrument	202102269387

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	4.75%
Index	1-Year CMT
Max Rate	7.75%

Tax Assessment & Valuation

The 2025 property tax bill for 12210 Bugle Lake Dr was $9,764 with a homeowner's exemption.

Source: Macomb County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
County Subdivision	Bruce Township
Unified School District	Romeo Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$358,500	$717,000
2025	$9,764.00
2023		$43,400	$86,800
2022	$1,260.00

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

FEMA maps place 12210 Bugle Lake Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2004)
Most Recent Claim	May 2004 · Severe Storms, Tornadoes, And 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.

Wildfire

Wildfire risk around 12210 Bugle Lake Dr is low, with 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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