16556 Stephen Dr, Macomb, MI 48042 Property Records

Macomb County property record for 16556 Stephen Dr, Macomb, MI 48042

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,400 sqft · built 1992
Lot Size	0.298 acres (12,981 sqft)
Owner	Individual Name on File
Last Sale	$416,000 (Nov 2022)
Tax Bill	$5,424 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-07-477-011`

Property Details

APN / Parcel Number

Primary APN	`20-08-07-477-011`
Alternative APN	`0807477011`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,400 sqft Living Area
1st Floor Area	1,316 sqft
Basement Area	1,316 sqft
Unfinished Basement	1,316 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1993
Exterior Material	Brick
Lot Area	12,981 sqft (0.298 acres)
Lot Dimensions	178 ft deep x 73 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16556 STEPHEN DR
City	MACOMB
State	MI
Zip	48042-2847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MACOMB HILLS SUB NO 1 LOT 43 LIBER: 90 PAGES: 13-17
Legal Subdivision	MACOMB HILLS SUB
Legal Lot Number	43
Jurisdiction	MACOMB MI
Township / Civil Division	MACOMB
Census Block Group	1
Census Block	1011
Census Tract	223803

Owner

16556 Stephen Dr is owned and occupied by an individual who bought it in November 2022.

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	16556 STEPHEN DR, MACOMB, MI 48042-2847
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Nov 22, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2022 · Amount on File
Deed Sale	Nov 22, 2022 · Amount on File
Prior Sale	Mar 23, 2015 · Amount on File
Deed Document Number	2022129555
Deed Book / Page	28910 / 541
Prior Transfer Date	Sep 25, 2013
Prior Transfer Doc	0000157099
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	16556 STEPHEN DR, MACOMB, MI 48042-2847
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16556 STEPHEN DR, MACOMB, MI 48042-2847

Mortgage

Document Number	2400006881
Date	Jan 29, 2024
Book Page	29456/75
Instrument	202400006881

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Nov 22, 2022
Property Address	16556 STEPHEN DR, MACOMB, MI 48042-2847
Document Number	2200129555
Book / Page	28910 / 541
Map Reference	LB 90 PG 13-17
Instrument Date	Nov 17, 2022
Instrument	202200129555
Transaction Type	Transfer
Record Updated	Dec 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16556 STEPHEN DR, 16556, MACOMB, MI 48042-2847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16556 STEPHEN DR, MACOMB, MI 48042-2847

Mortgage

Document Number	2200129556
Date	Nov 22, 2022
Instrument	202200129556

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	16556 STEPHEN DR, MACOMB, MI 48042-2847
Document Number	0000052322
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16556 STEPHEN DR MACOMB MI 480422847, MACOMB, MI 48042-2847

Mortgage

Document Number	0000052322
Date	Apr 30, 2020
Book Page	026676/000428
Instrument	52322

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 29, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 16556 Stephen Dr was $5,424 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	Macomb Township
Unified School District	Utica Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$218,300 (+3.56%)	$436,600 (+3.56%)
2025	$5,424.00 Homeowner's exemption	$210,800	$421,600
2023		$183,500	$367,000
2022	$3,808.00

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 16556 Stephen Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2021 · Severe Storms, Flooding, And Tornadoes

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 16556 Stephen Dr 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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	MACOMB TOWNSHIP serves 90,000 people · EPA ID MI0003990
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Jan 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	2 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 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: Verizon.

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