Macomb County property record for 12903 Ray Dr, Warren, MI 48088
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,124 sqft · built 1965 |
| Lot Size | 0.169 acres (7,362 sqft) |
| Owner | Individual Name on File |
| Last Sale | $208,500 (Jul 2021) |
| Tax Bill | $5,307 (2025) |
| Deeds & Mortgages | Sep 2022 Second Mortgage Dec 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-13-14-403-015 |
| Primary APN | 12-13-14-403-015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,124 sqft Living Area |
| Gross Area | 1 sqft |
| 1st Floor Area | 1,124 sqft |
| Basement Area | 935 sqft |
| Unfinished Basement | 929 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 7,362 sqft (0.169 acres) |
| Lot Dimensions | 105 ft deep x 70 ft wide |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Storm Sewer |
| Water Source | Commercial |
| Street Address | 12903 RAY DR |
|---|---|
| City | WARREN |
| State | MI |
| Zip | 48088-4653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-C |
| Legal Description | VANDENBOSSCHE SUB. NO. 1" LOT 142 L.51 P.20 |
| Legal Subdivision | VANDENBOSSCHE SUB |
| Legal Lot Number | 142 |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | WARREN |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 261800 |
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 | 12903 RAY DR, WARREN, MI 48088-4653 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU |
| Dec 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Sep 17, 2021 | Intrafamily Transfer, Transfer |
| Sep 14, 2021 | Intrafamily Transfer, Transfer |
| Jul 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Apr 10, 2019 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 AT SUBURBAN |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 27, 2021 · Amount on Record |
| Deed Sale | Jul 27, 2021 · Amount on Record |
| Prior Sale | Apr 10, 2019 · Amount on Record |
| Deed Document Number | 20212214948 |
| Deed Book / Page | 27887 / 839 |
| Last Transfer Date | Sep 16, 2021 |
| Transfer Doc | 0002239191 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 12903 RAY DR, WARREN, MI 48088-4653 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 12903 RAY DR, WARREN, MI 48088-4653 |
| Document Number | 2200112683 |
|---|---|
| Date | Sep 29, 2022 |
| Book Page | 28834/792 |
| Instrument | 202200112683 |
| Name | MICHIGAN SCHOOLS & GOVERNMENT CU |
|---|---|
| Type | Credit Union |
| Address | TROY, MI 48098 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 12903 RAY DR, WARREN, MI 48088-4653 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 12903 RAY DR, WARREN, MI 48088-4653 |
| Document Number | 2102284264 |
|---|---|
| Date | Dec 7, 2021 |
| Book Page | 28266/203 |
| Instrument | 202102284264 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Sep 17, 2021 |
| Property Address | 12903 RAY DR, WARREN, MI 48088-4653 |
| Document Number | 2102239191 |
| Book / Page | 28018 / 569 |
| Map Reference | LB 51 PG 20 |
| Instrument Date | Sep 16, 2021 |
| Instrument | 202102239191 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12903 RAY DR, WARREN, MI 48088-4653 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Sep 14, 2021 |
| Property Address | 12903 RAY DR, WARREN, MI 48088-4653 |
| Document Number | 2102236962 |
| Book / Page | 28005 / 438 |
| Map Reference | LB 51 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 202102236962 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 32210 VEGAS DR, 32210, WARREN, MI 48093-1273 |
| Name | Verified Name |
|---|---|
| Address | 12903 RAY DR, WARREN, MI 48088-4653 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Jul 27, 2021 |
| Property Address | 12903 RAY DR, WARREN, MI 48088-4653 |
| Document Number | 2102214948 |
| Book / Page | 27887 / 839 |
| Map Reference | LB 51 PG 20 |
| Instrument Date | Jul 2, 2021 |
| Instrument | 202102214948 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Title Company | BELL TITLE AGCY/CLINTON TOWNSHIP, BELL TTL AGCY OF CLINTON TOW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,793.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12903 RAY DR, 12903, WARREN, MI 48088-4653 |
| Name | Verified Name |
|---|---|
| Address | 32210 VEGAS DR, WARREN, MI 48093-1273 |
| Document Number | 2102214949 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 202102214949 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Apr 10, 2019 |
| Property Address | 12903 RAY DR, WARREN, MI 48088-4653 |
| Document Number | 0000039960 |
| Book / Page | 025897 / 000548 |
| Instrument Date | Mar 25, 2019 |
| Instrument | 39960 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12903 RAY DR WARREN MI 480884653, WARREN, MI 48088-4653 |
| Document Number | 39962 |
|---|---|
| Date | Apr 10, 2019 |
| Book Page | 025897/000551 |
| Instrument | 39962 |
| Name | MORTGAGE 1 AT SUBURBAN |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 9, 2049 |
Source: Macomb County assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Macomb County |
| Municipality | Warren City |
| Unified School District | Warren Woods Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $120,320 (+7.21%) | $240,640 (+7.21%) | |
| 2025 | $5,307.00 (+13.86%) Homeowner's exemption | $112,230 (+14.59%) | $224,460 (+14.59%) |
| 2023 | $97,940 | $195,880 | |
| 2022 | $4,661.00 |
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.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2014 · Severe Storms 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 |
| 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.
Source: FCC Broadband Data Collection, based on 612 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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