Macomb County property record for 16751 28 Mile Rd, Ray, MI 48096
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,536 sqft · built 2001 |
| Lot Size | 0.93 acres (40,511 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,191 (2025) |
| Deeds & Mortgages | Jan 2019 Mortgage Oct 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-05-20-300-023 |
| Primary APN | 21-05-20-300-023 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| 1st Floor Area | 1,536 sqft |
| Basement Area | 1,536 sqft |
| Unfinished Basement | 1,536 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Lot Area | 40,511 sqft (0.93 acres) |
| Lot Dimensions | 405 ft deep x 100 ft wide |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 16751 28 MILE RD |
|---|---|
| City | RAY |
| State | MI |
| Zip | 48096-2903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | SEC 20 COM AT SW COR SEC 20; TH E 465.0 FT TO POB; TH N01*04'20"W 405.50 FT; TH E 100.0 FT; TH S01*04'20"E 405.50 FT; TH W 100.0 FT TO POB 0.93 A |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | RAY |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 216000 |
16751 28 Mile Rd is owned and occupied by two individuals who acquired it in April 2018.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 16751 28 MILE RD, RAY, MI 48096-2903 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 29, 2019 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Oct 8, 2019 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Jun 1, 2020 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Feb 4, 2021 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Nov 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 19, 2018 | Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2018 |
| Deed Sale | Apr 19, 2018 |
| Prior Sale | Mar 7, 2012 · Amount on File |
| Deed Document Number | 20188046387 |
| Deed Book / Page | 25321 / 370 |
| Prior Transfer Date | Apr 2, 2018 |
| Prior Transfer Doc | 0000046387 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 16751 28 MILE RD, RAY, MI 48096-2903 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000009441 |
|---|---|
| Date | Jan 29, 2019 |
| Book Page | 25786/710 |
| Instrument | 9009441 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 16751 28 MILE RD, RAY, MI 48096-2903 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000113791 |
|---|---|
| Date | Oct 8, 2019 |
| Book Page | 26250/627 |
| Instrument | 9113791 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 16751 28 MILE RD, RAY, MI 48096-2903 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000062654 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 26737/161 |
| Instrument | 2062654 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 16751 28 MILE RD, RAY, MI 48096-2903 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 16751 28 MILE RD, RAY, MI 48096-2903 |
| Document Number | 0000118676 |
|---|---|
| Date | Feb 4, 2021 |
| Book Page | 27395/763 |
| Instrument | 2118676 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 16751 28 MILE RD, RAY, MI 48096-2903 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 16751 28 MILE RD, RAY, MI 48096-2903 |
| Document Number | 2102274061 |
|---|---|
| Date | Nov 22, 2021 |
| Book Page | 28212/717 |
| Instrument | 202102274061 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Apr 19, 2018 |
| Property Address | 16751 28 MILE RD, RAY, MI 48096-2903 |
| Document Number | 0000046387 |
| Book / Page | 25321 / 370 |
| Instrument Date | Apr 2, 2018 |
| Instrument | 8046387 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16751 28 MILE RD, RAY, MI 48096-2903 |
| Document Number | 0000046388 |
|---|---|
| Date | Apr 19, 2018 |
| Instrument | 8046388 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 16751 28 Mile Rd was $3,191 with a homeowner's exemption, up 3% from the year before.
Source: Macomb County assessment roll, as of October 19, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Macomb County |
| County Subdivision | Ray Township |
| Unified School District | Romeo Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $185,300 (+5.89%) | $370,600 (+5.89%) | |
| 2025 | $3,191.00 (+3%) Homeowner's exemption | $175,000 | $350,000 |
| 2024 | $3,098.00 | ||
| 2023 | $155,400 | $310,800 | |
| 2022 | $2,701.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16751 28 Mile Rd in Zone X, an area of minimal flood risk.
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 risk around 16751 28 Mile Rd 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 93% of the US · lower than 83% 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.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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