19823 30 Mile Rd, Ray, MI 48096 Property Records

Macomb County property record for 19823 30 Mile Rd, Ray, MI 48096

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,411 sqft · built 2019
Lot Size	16.5 acres (720,090 sqft)
Owner	2 Individual Names on Record
Last Sale	$122,000 (Feb 2017)
Tax Bill	$12,853 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`21-05-09-400-028`

Property Details

APN / Parcel Number

Primary APN	`21-05-09-400-028`
Alternative APN	`0509400028`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,411 sqft Living Area
1st Floor Area	2,429 sqft
Basement Area	2,429 sqft
Unfinished Basement	2,429 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	720,090 sqft (16.5 acres)
Lot Width	190 ft Width
Garage Area	917 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	19823 30 MILE RD
City	RAY
State	MI
Zip	48096-1803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T4N, R13E, SEC 9, COMM AT S 1/4 COR SEC 9, TH EAST 684.37 FT TO POB, TH N0907'04"E 2174.83 FT; TH S8952'37"E 219.20 FT, TH
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	19823 30 MILE RD, RAY, MI 48096-1803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Feb 10, 2020	Deed of Trust, Mortgage LAKE MI CU
Dec 1, 2019	Loan Modification, Mortgage LAKE MI CU
Jun 28, 2018	Deed of Trust, Mortgage LAKE MI CU
Feb 14, 2017	Warranty Deed, Transfer
Feb 1, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2017 · Amount on Record
Deed Sale	Feb 14, 2017 · Amount on Record
Deed Document Number	20177018383
Deed Book / Page	24554 / 39
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	19823 30 MILE RD, RAY, MI 48096-1803
Transaction Type	Mortgage
Record Updated	May 28, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19823 30 MILE RD, RAY, MI 48096-1803

Mortgage

Document Number	2102140711
Date	Mar 23, 2021
Book Page	27503/346
Instrument	202102140711

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	19823 30 MILE RD, RAY, MI 48096-1803
Document Number	0000020215
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19823 30 MILE RD RAY MI 480961803, RAY, MI 48096-1803

Mortgage

Document Number	0000020215
Date	Feb 18, 2020
Book Page	026520/000788
Instrument	20215

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2050

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MACOMB MI
Property Address	19823 30 MILE RD, RAY, MI 48096-1803
Document Number	0000136288
Instrument Date	Dec 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19823 30 MILE RD RAY MI 480961803, RAY, MI 48096-1803

Mortgage

Document Number	0000136288
Date	Dec 2, 2019
Book Page	026367/000180
Instrument	136288

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501-2848

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate	3.74%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	19823 30 MILE RD, RAY, MI 48096-1803
Document Number	0000074561
Instrument Date	Jun 28, 2018
Transaction Type	Mortgage
Record Updated	Dec 30, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25400 24 MILE RD CHESTERFIELD MI 480511503, CHESTERFIELD, MI 48051-1503

Mortgage

Document Number	0000074561
Date	Jun 29, 2018
Book Page	025445/000456
Instrument	74561

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.74%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Feb 14, 2017
Property Address	19823 30 MILE RD, RAY, MI 48096-1803
Document Number	0000018383
Book / Page	024555 / 000039
Instrument Date	Jan 17, 2017
Instrument	18383
Transaction Type	Transfer
Record Updated	Mar 9, 2017

Transaction

Amount	Amount Recorded
Tax	$1,049.20
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	25400 24 MILE RD CHESTERFIELD MI 480511503, CHESTERFIELD, MI 48051-1503

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MACOMB MI
Recording Date	Feb 1, 2017
Property Address	19823 30 MILE RD, RAY, MI 48096-1803
Document Number	0000012627
Book / Page	024533 / 000106
Instrument Date	Aug 26, 2009
Instrument	12627
Transaction Type	Transfer
Record Updated	Feb 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	100 BRONTE PL GEORGETOWN KY 403242324, GEORGETOWN, KY 40324-2324

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		$553,000 (+23.3%)	$1,106,000 (+23.3%)
2025	$12,853.00 (+17.65%)
2023		$448,500	$897,000
2022	$10,925.00

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

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

May also be available: AT&T, T-Mobile.

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