16442 Vernetta, Fraser, MI 48026 Property Records

Macomb County property record for 16442 Vernetta, Fraser, MI 48026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,280 sqft · built 1967
Lot Size	0.325 acres (14,157 sqft)
Owner	Individual Name on File
Last Sale	$257,500 (Jun 2021)
Tax Bill	$6,917 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`03-14-06-476-002`

Property Details

APN / Parcel Number

Primary APN	`03-14-06-476-002`
Alternative APN	`1406476002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,280 sqft Living Area
1st Floor Area	2,280 sqft
Basement Area	1,256 sqft
Unfinished Basement	1,256 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,157 sqft (0.325 acres)
Lot Dimensions	120 ft deep x 118 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16442 VERNETTA
City	FRASER
State	MI
Zip	48026-2613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	HARTSIG MANOR SUBDIVISION LOT 2. L32 P29. CITY OF FRASER
Legal Subdivision	HARTSIG MANOR SUBDIVISION
Legal Lot Number	2
Jurisdiction	MACOMB MI
Township / Civil Division	FRASER
Census Block Group	4
Census Block	4001
Census Tract	254200

Owner

16442 Vernetta is owned and occupied by an individual who bought it in June 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	16442 VERNETTA, FRASER, MI 48026-2613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jun 24, 2021	Warranty Deed, Transfer LAND TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on File
Deed Sale	Jun 24, 2021 · Amount on File
Deed Document Number	20212203764
Deed Book / Page	27829 / 184
Prior Transfer Date	Aug 24, 2011
Prior Transfer Doc	0000203857
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	16442 VERNETTA, FRASER, MI 48026-2613
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16442 VERNETTA, FRASER, MI 48026-2613

Mortgage

Document Number	2102202897
Date	Jun 22, 2021
Book Page	27825/604
Instrument	202102202897

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jun 24, 2021
Property Address	16442 VERNETTA, FRASER, MI 48026-2613
Document Number	2102203764
Book / Page	27829 / 184
Map Reference	LB 32 PG 29
Instrument Date	Jun 3, 2021
Instrument	202102203764
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	LAND TITLE

Transaction

Amount	Amount on Record
Tax	$2,214.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16442 VERNETTA, 16442, FRASER, MI 48026-2613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16442 VERNETTA, CLINTON TOWNSHIP, MI 48035

Tax Assessment & Valuation

The 2025 property tax bill for 16442 Vernetta was $6,917 with a homeowner's exemption.

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		$182,000 (+7.06%)	$364,000 (+7.06%)
2025	$6,917.00 Homeowner's exemption	$170,000	$340,000
2023		$143,200	$286,400
2022	$6,063.00

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

Flood

FEMA maps place 16442 Vernetta in Zone X, an area of minimal flood risk.

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

Wildfire risk around 16442 Vernetta is low, with less than 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 99.1% of the US · lower than 98.4% 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 213 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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