14576 Stephens Rd, Warren, MI 48089 Property Records

Macomb County property record for 14576 Stephens Rd, Warren, MI 48089

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 974 sqft · built 1942
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on Record
Last Sale	$22,000 (Aug 2007)
Tax Bill	$1,006 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Feb 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-13-25-405-004`

Property Details

APN / Parcel Number

Primary APN	`12-13-25-405-004`
Alternative APN	`1325405004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	974 sqft Living Area
1st Floor Area	974 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Exterior Material	Concrete Block
Lot Area	4,400 sqft (0.101 acres)
Lot Dimensions	110 ft deep x 40 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	14576 STEPHENS RD
City	WARREN
State	MI
Zip	48089-2241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-C
Legal Description	SUPERVISORS CHESTERFIELD PARK SUB NO 2 LOT188 INCL 1/2 VAC ALLEY L.17 P.38
Legal Subdivision	SUPERVISORS CHESTERFIELD PARK SUB
Legal Lot Number	188
Jurisdiction	MACOMB MI
Township / Civil Division	WARREN
Census Block Group	5
Census Block	5001
Census Tract	262900

Owner

Source: Macomb County records, as of July 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	14576 STEPHENS RD, WARREN, MI 48089-2241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2023	Deed of Trust, Mortgage · Line of Credit COMMUNITY CHOICE CU
Feb 10, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY CHOICE CU
Jun 28, 2019	Deed of Trust, Mortgage COMMUNITY CHOICE CU
Jul 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CHOICE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2007 · Amount on Record
Deed Sale	Aug 29, 2007 · Amount on Record
Prior Sale	Jun 30, 2006 · Amount on Record
Deed Document Number	20077120555
Deed Book / Page	18912 / 464
Prior Transfer Date	Apr 24, 2006
Prior Transfer Doc	0000083633
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	14576 STEPHENS RD, WARREN, MI 48089-2241
Transaction Type	Mortgage
Record Updated	Jan 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14576 STEPHENS RD, WARREN, MI 48089-2241

Mortgage

Document Number	2300105985
Date	Dec 26, 2023
Book Page	29422/323
Instrument	202300105985

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON, MI 48334

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	324 Months
Due	Dec 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	14576 STEPHENS RD, WARREN, MI 48089-2241
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14576 STEPHENS RD, WARREN, MI 48089-2241

Mortgage

Document Number	2200020449
Date	Feb 10, 2022
Book Page	28426/541
Instrument	202200020449

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON, MI 48334

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 15, 2037

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	14576 STEPHENS RD, WARREN, MI 48089-2241
Document Number	0000074362
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14576 STEPHENS RD WARREN MI 480892241, WARREN, MI 48089-2241

Mortgage

Document Number	0000074362
Date	Jul 3, 2019
Book Page	026052/000929
Instrument	74362

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON HILLS, MI 48334

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 2, 2034

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	14576 STEPHENS RD, WARREN, MI 48089-2241
Document Number	0000081872
Instrument Date	Jul 9, 2018
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14576 STEPHENS RD WARREN MI 480892241, WARREN, MI 48089-2241

Mortgage

Document Number	0000081872
Date	Jul 19, 2018
Book Page	025478/000492
Instrument	81872

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON HILLS, MI 48334

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 18, 2033

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	Eastpointe Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,270 (+55.71%)	$96,540 (+55.71%)
2025	$1,006.00 (+13.42%)
2023		$31,000	$62,000
2022	$887.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

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 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 807 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · 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

May also be available: T-Mobile.

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