16726 Gemstone Dr, Macomb, MI 48042 Property Records

Macomb County property record for 16726 Gemstone Dr, Macomb, MI 48042

Property Summary

Property Type	Condominium
Details	1.5 ba · 1,401 sqft · built 1999
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Nov 2025)
Tax Bill	$2,848 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Nov 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-17-152-082`

Property Details

APN / Parcel Number

Primary APN	`20-08-17-152-082`
Alternative APN	`0817152082`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,401 sqft Living Area
1st Floor Area	1,401 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2000
Architectural Style	Condo/Apartment
Roof Type	Gable
Lot Area	43,560 sqft (1 acres)
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16726 GEMSTONE DR
City	MACOMB
State	MI
Zip	48042-3556
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R1
Legal Description	TERRACES AT COBBLESTONE UNIT 82 BLDG 8 MCCP NO. 593
Legal Subdivision	TERRACES AT COBBLESTONE
Legal Unit	82
Jurisdiction	MACOMB MI
Township / Civil Division	MACOMB
Census Block Group	1
Census Block	1008
Census Tract	223902

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	Individual Name on Record
Mailing Address	2460 DICKENSON DR, SHELBY TOWNSHIP, MI 48317-4551
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2024	Deed of Trust, Mortgage · Conventional Mortgage SUPERIOR NATIONAL BANK
Nov 6, 2025	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Sep 1, 2023	Warranty Deed, Transfer · Conventional Mortgage SUPERIOR NATIONAL BANK
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage MAIN STREET BANK
Sep 1, 2023	Intrafamily Transfer, Transfer
Sep 17, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST INDEPENDENCE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2025 · Amount on Record
Deed Sale	Nov 6, 2025 · Amount on Record
Prior Sale	Sep 1, 2023 · Amount on Record
Deed Document Number	2025100027
Deed Book / Page	30376 / 900
Prior Transfer Date	Sep 20, 2019
Prior Transfer Doc	0000074929
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	16726 GEMSTONE DR, MACOMB, MI 48042-3556
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 SHEARER DR #82 82, 82, MACOMB, MI 48042

Mortgage

Document Number	2400084423
Date	Oct 15, 2024
Book Page	29802/474
Instrument	202400084423

Lender

Name	SUPERIOR NATIONAL BANK
Type	Bank
Address	HANCOCK, MI 49930

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2054

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Nov 6, 2025
Property Address	16726 GEMSTONE DR, MACOMB, MI 48042-3556
Document Number	2500100027
Book / Page	30376 / 900
Map Reference	LB 8309 PG 760-822
Instrument Date	Nov 3, 2025
Instrument	202500100027
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16726 GEMSTONE DR, MACOMB, MI 48042-3556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2460 DICKENSON DR, SHELBY TOWNSHIP, MI 48317-4551

Mortgage

Document Number	0000388182
Date	Nov 6, 2025
Instrument	30388/182

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Sep 1, 2023
Property Address	16726 GEMSTONE DR, MACOMB, MI 48042-3556
Document Number	2300074932
Book / Page	29280 / 109
Map Reference	LB 8309 PG 760-822
Instrument Date	Aug 11, 2023
Instrument	202300074932
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,012.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50194 MIDDLE RIVER DR, MACOMB, MI 48044-1209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16726 GEMSTONE DR # 82, 82, MACOMB, MI 48042-3556

Mortgage

Document Number	2300074933
Date	Sep 1, 2023
Instrument	202300074933

Lender

Name	SUPERIOR NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	16726 GEMSTONE DR, MACOMB, MI 48042-3556
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16726 GEMSTONE DR 82, 82, MACOMB, MI 48042-3556

Mortgage

Document Number	0000095064
Date	Aug 12, 2020
Book Page	26910/603
Instrument	2095064

Lender

Name	MAIN STREET BANK
Type	Bank
Address	FRANKLIN, MI 48025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2050

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACOMB MI
Recording Date	Sep 1, 2023
Property Address	16726 GEMSTONE DR, MACOMB, MI 48042-3556
Document Number	2300074929
Book / Page	29280 / 103
Map Reference	LB 8309 PG 760-822
Instrument Date	Sep 20, 2019
Instrument	202300074929
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16726 GEMSTONE DR, MACOMB, MI 48042-3556

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16726 GEMSTONE DR, MACOMB, MI 48042-3556

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Sep 17, 2018
Property Address	16726 GEMSTONE DR, MACOMB, MI 48042-3556
Document Number	0000003380
Book / Page	028879 / 000886
Instrument Date	Sep 14, 2018
Instrument	3380
Transaction Type	Transfer
Record Updated	Oct 16, 2018
Title Company	PREMIER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4604 PEBBLE CRK N #3 SHELBY TOWNSHIP MI 483174888, 3, SHELBY TOWNSHIP, MI 48317-4888

Mortgage

Document Number	6040
Date	Sep 17, 2018
Book Page	025592/000267
Instrument	6040

Lender

Name	FIRST INDEPENDENCE BK
Type	Bank
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2048

Tax Assessment & Valuation

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		$114,000 (+6.34%)	$228,000 (+6.34%)
2025	$2,848.00 (+2.52%) Homeowner's exemption	$107,200 (+23.08%)	$214,400 (+23.08%)
2024	$2,778.00 (+48.64%)
2023		$87,100	$174,200
2022	$1,869.00

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

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	Low lower than 98% of the US · lower than 95% 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 212 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: T-Mobile, Verizon.

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