18342 Teresa Dr, Macomb, MI 48044 Property Records

Macomb County property record for 18342 Teresa Dr, Macomb, MI 48044

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,058 sqft · built 1997
Lot Size	0.194 acres (8,451 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jul 2013)
Tax Bill	$4,348 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-20-480-007`

Property Details

APN / Parcel Number

Primary APN	`20-08-20-480-007`
Alternative APN	`0820480007`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,058 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	1,236 sqft
Unfinished Basement	1,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1998
Architectural Style	Split Level
Lot Area	8,451 sqft (0.194 acres)
Lot Dimensions	121 ft deep x 70 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18342 TERESA DR
City	MACOMB
State	MI
Zip	48044-1681
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WILLOWOOD SUB #3 LOT 178 LIBER: 119 PAGES: 39-49
Legal Subdivision	WILLOWOOD SUB
Legal Lot Number	178
Jurisdiction	MACOMB MI
Township / Civil Division	MACOMB
Census Block Group	4
Census Block	4013
Census Tract	224001

Owner

18342 Teresa Dr is owned and occupied by an individual who bought it in July 2013.

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

Owner of Record	Individual Name on File
Mailing Address	18342 TERESA DR, MACOMB, MI 48044-1681
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
Mar 30, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2013 · Amount on File
Deed Sale	Jul 16, 2013 · Amount on File
Prior Sale	Jun 1, 2009 · Amount on File
Deed Document Number	20133105137
Deed Book / Page	22263 / 109
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	18342 TERESA DR, MACOMB, MI 48044-1681
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18342 TERESA DR, MACOMB, MI 48044-1681

Mortgage

Document Number	2600026110
Date	Mar 30, 2026
Book Page	30584/265
Instrument	202600026110

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2041

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	18342 TERESA DR, MACOMB, MI 48044-1681
Transaction Type	Mortgage
Record Updated	Nov 4, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18342 TERESA DR, MACOMB, MI 48044-1681

Mortgage

Document Number	2102254983
Date	Oct 21, 2021
Book Page	28107/811
Instrument	202102254983

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	18342 TERESA DR, MACOMB, MI 48044-1681
Document Number	0000043484
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Apr 22, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18342 TERESA DR MACOMB MI 480441681, MACOMB, MI 48044-1681

Mortgage

Document Number	0000043484
Date	Nov 19, 2020
Book Page	027180/000538
Instrument	43484

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 18342 Teresa Dr was $4,348 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	Chippewa Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$192,700 (+3.38%)	$385,400 (+3.38%)
2025	$4,348.00 Homeowner's exemption	$186,400	$372,800
2023		$164,800	$329,600
2022	$3,894.00

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

Flood

FEMA maps place 18342 Teresa Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2023 · Severe Storms, Tornadoes, And Flooding

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 18342 Teresa 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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 377 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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