18020 Oak Ct, Ray, MI 48096 Property Records

Macomb County property record for 18020 Oak Ct, Ray, MI 48096

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,019 sqft · built 2004
Lot Size	23 acres (1,003,052 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Aug 2019)
Tax Bill	$7,258 (2025)
Deeds & Mortgages	Dec 2018 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-05-29-401-001`

Property Details

APN / Parcel Number

Primary APN	`21-05-29-401-001`
Alternative APN	`0529401001`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,019 sqft Living Area
1st Floor Area	2,617 sqft
Basement Area	2,617 sqft
Unfinished Basement	2,617 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Architectural Style	Ranch
Lot Area	1,003,052 sqft (23 acres)
Garage Area	837 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18020 OAK CT
City	RAY
State	MI
Zip	48096-3561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LONE OAK ESTATES UNIT 1 MCCP NO 735 SPLIT FROM 05-29-400-004 FOR 1997. SPLIT ON 10/22/2002 FROM 05-29-400-028;
Legal Subdivision	LONE OAK ESTATES
Legal Unit	1
Jurisdiction	MACOMB MI
Township / Civil Division	RAY
Census Block Group	2
Census Block	2020
Census Tract	216000

Owner

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 Record
Mailing Address	18020 OAK CT, RAY, MI 48096-3561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2018	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK
Dec 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Aug 5, 2019	Warranty Deed, Transfer · Conventional with PMI GREAT LKS MTG FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2019 · Amount on Record
Deed Sale	Aug 5, 2019 · Amount on Record
Prior Sale	Sep 30, 2004 · Amount on Record
Deed Document Number	20199086181
Deed Book / Page	26110 / 355
Prior Transfer Date	Jan 4, 2002
Prior Transfer Doc	0004044448
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	18020 OAK CT, RAY, MI 48096-3561
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000131389
Date	Dec 3, 2018
Book Page	25706/963
Instrument	8131389

Lender

Name	FIRST STATE BANK
Type	Bank
Address	NEW BALTIMORE, MI 48051

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Oct 12, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	18020 OAK CT, RAY, MI 48096-3561
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18020 OAK CT, RAY, MI 48096-3561

Mortgage

Document Number	2102294898
Date	Dec 29, 2021
Book Page	28324/411
Instrument	202102294898

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Jan 1, 2049

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Aug 5, 2019
Property Address	18020 OAK CT, RAY, MI 48096-3561
Document Number	0000086181
Book / Page	026110 / 000355
Instrument Date	Jul 12, 2019
Instrument	86181
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,440.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12330 SHELBOURNE CT SHELBY TOWNSHIP MI 483154062, SHELBY TOWNSHIP, MI 48315-4062

Mortgage

Document Number	86182
Date	Aug 5, 2019
Book Page	026110/000358
Instrument	86182

Lender

Name	GREAT LKS MTG FIN'L
Address	ROLLING MEADOWS, IL 60008

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
County Subdivision	Ray Township
Unified School District	Romeo Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$352,500 (+32.87%)	$705,000 (+32.87%)
2025	$7,258.00 (+18.15%)
2023		$265,300	$530,600
2022	$6,143.00

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

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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