18080 Oak Ct, Ray, MI 48096 Property Records

Macomb County property record for 18080 Oak Ct, Ray, MI 48096

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,998 sqft · built 2005
Lot Size	23 acres (1,003,108 sqft)
Owner	2 Individual Names on File
Last Sale	$244,000 (Nov 2011)
Tax Bill	$4,958 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`21-05-29-401-002`

Property Details

APN / Parcel Number

Primary APN	`21-05-29-401-002`
Alternative APN	`0529401002`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,998 sqft Living Area
1st Floor Area	1,618 sqft
Basement Area	1,618 sqft
Unfinished Basement	1,618 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2012
Architectural Style	Condo/Apartment
Lot Area	1,003,108 sqft (23 acres)
Garage Area	763 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18080 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 2 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	2
Jurisdiction	MACOMB MI
Township / Civil Division	RAY
Census Block Group	2
Census Block	2020
Census Tract	216000

Owner

18080 Oak Ct is owned and occupied by two individuals who bought it in November 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	18080 OAK CT, RAY, MI 48096-3561
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 17, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2011 · Amount on File
Deed Sale	Nov 28, 2011 · Amount on File
Prior Sale	Apr 7, 2009 · Amount on File
Deed Document Number	20111229576
Deed Book / Page	21004 / 431
Prior Transfer Date	Jun 20, 2011
Prior Transfer Doc	0000175592
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	18080 OAK CT, RAY, MI 48096-3561
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18080 OAK CT, RAY, MI 48096-3561

Mortgage

Document Number	0000128994
Date	Oct 23, 2020
Book Page	27094/371
Instrument	2128994

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	18080 OAK CT, RAY, MI 48096-3561
Document Number	0000014607
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18080 OAK CT RAY MI 480963561, RAY, MI 48096-3561

Mortgage

Document Number	0000014607
Date	Oct 16, 2018
Book Page	025631/000603
Instrument	14607

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 18080 Oak Ct was $4,958 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	Ray Township
Unified School District	Romeo Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$344,500	$689,000
2025	$4,958.00
2023		$265,100	$530,200
2022	$4,196.00

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

Flood

FEMA maps place 18080 Oak Ct 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

Wildfire risk around 18080 Oak Ct is low, with 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 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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