16285 Hanover, Fraser, MI 48026 Property Records

Macomb County property record for 16285 Hanover, Fraser, MI 48026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,648 sqft · built 1955
Lot Size	0.417 acres (18,165 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Nov 2015)
Tax Bill	$5,199 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Oct 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-14-06-402-034`

Property Details

APN / Parcel Number

Primary APN	`03-14-06-402-034`
Alternative APN	`1406402034`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,648 sqft Living Area
1st Floor Area	1,648 sqft
Basement Area	1,264 sqft
Unfinished Basement	1,264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	18,165 sqft (0.417 acres)
Lot Dimensions	202 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16285 HANOVER
City	FRASER
State	MI
Zip	48026-3610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	EYSTER'S FRASER GARDENS NO. 1 L. 7 P. 48 PART OF LOTS 31 & 32 DESC. AS BEG AT SE COR LOT 31; TH N8757'30"W 90.70 FT; TH N 0155' 20"E 202.88 FT; TH S 8801' 14" E 90.09 FT; TH S0145' 00" W 202.98 FT TO POB.
Legal Subdivision	GARDEN
Legal Lot Number	31-32
Jurisdiction	MACOMB MI
Township / Civil Division	FRASER
Census Block Group	4
Census Block	4004
Census Tract	254200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	16285 HANOVER, FRASER, MI 48026-3610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 21, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2015 · Amount on Record
Deed Sale	Nov 20, 2015 · Amount on Record
Deed Document Number	20155142693
Deed Book / Page	23739 / 568
Prior Transfer Date	Nov 5, 2015
Prior Transfer Doc	0000013789
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	16285 HANOVER, FRASER, MI 48026-3610
Transaction Type	Mortgage
Record Updated	Nov 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16285 HANOVER, FRASER, MI 48026-3610

Mortgage

Document Number	2200123129
Date	Nov 1, 2022
Book Page	28882/457
Instrument	202200123129

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	16285 HANOVER, FRASER, MI 48026-3610
Transaction Type	Mortgage
Record Updated	Nov 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16285 HANOVER, FRASER, MI 48026-3610

Mortgage

Document Number	2200118448
Date	Oct 18, 2022
Book Page	28860/870
Instrument	202200118448

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 30, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	16285 HANOVER, FRASER, MI 48026-3610
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16285 HANOVER, FRASER, MI 48026-3610

Mortgage

Document Number	2102172534
Date	May 4, 2021
Book Page	27665/762
Instrument	202102172534

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	16285 HANOVER, FRASER, MI 48026-3610
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000137466
Date	Nov 21, 2017
Book Page	25070/880
Instrument	7137466

Lender

Name	PNC BANK NA
Type	Bank
Address	FRASER, MI 48026

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$154,300 (+8.28%)	$308,600 (+8.28%)
2025	$5,199.00 (+14.09%) Homeowner's exemption	$142,500 (+16.71%)	$285,000 (+16.71%)
2023		$122,100	$244,200
2022	$4,557.00

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 · 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

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

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

Water System	CITY OF FRASER serves 14,297 people · EPA ID MI0002460
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Nov 2025
Lead	Under 1 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	4 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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