18900 31 Mile Rd, Ray, MI 48096 Property Records

Macomb County property record for 18900 31 Mile Rd, Ray, MI 48096

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 1988
Lot Size	2.07 acres (90,300 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,316 (2025)
Deeds & Mortgages	Oct 2018 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`21-05-09-100-013`

Property Details

APN / Parcel Number

Primary APN	`21-05-09-100-013`
Alternative APN	`0509100013`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1995
Architectural Style	Ranch
Lot Area	90,300 sqft (2.07 acres)
Lot Width	210 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	18900 31 MILE RD
City	RAY
State	MI
Zip	48096-1200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T4N, R13E SEC 9, COM AT NW COR SEC 9; TH E 420.68 FT ALG N SEC LINE TO POB; TH E 210.34 FT ALG SD SEC LINE; TH S0*05' W
Legal Range	13E
Legal Township	04N
Legal Section	09
Jurisdiction	MACOMB MI
Township / Civil Division	RAY
Census Block Group	1
Census Block	1027
Census Tract	216000

Owner

Source: Macomb County records, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	18900 31 MILE RD, RAY, MI 48096-1200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	18900 31 MILE RD, RAY, MI 48096-1200
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000117002
Date	Oct 23, 2018
Book Page	25642/635
Instrument	8117002

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 21, 2048

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
County Subdivision	Ray Township
Unified School District	Armada Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$186,100 (+22.6%)	$372,200 (+22.6%)
2025	$3,316.00 (+17.63%)
2023		$151,800	$303,600
2022	$2,819.00

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 · 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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 93% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

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