20415 30 Mile Rd, Ray, MI 48096 Property Records

Macomb County property record for 20415 30 Mile Rd, Ray, MI 48096

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,051 sqft · built 2006
Lot Size	18.3 acres (797,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Aug 2011)
Tax Bill	$8,810 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-05-09-400-034`

Property Details

APN / Parcel Number

Primary APN	`21-05-09-400-034`
Alternative APN	`0509400034`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,051 sqft Living Area
1st Floor Area	2,279 sqft
Basement Area	2,279 sqft
Unfinished Basement	2,279 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Split Level
Lot Area	797,148 sqft (18.3 acres)
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	20415 30 MILE RD
City	RAY
State	MI
Zip	48096-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T4N, R13E SEC 9; COM AT SE 1/4 COR SEC 9; TH W 455.93 FT TO POB; TH W 150.76 FT; TH N00*45'30" E 600.0 FT; TH W 304.76 FT; TH
Legal Range	13E
Legal Township	04N
Legal Section	09
Legal Subdivision	DIVISION
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	20415 30 MILE RD, RAY, MI 48096-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Nov 17, 2017	Deed of Trust, Mortgage · Line of Credit LAKESTONE BK&TR
May 16, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2011 · Amount on Record
Deed Sale	Aug 15, 2011 · Amount on Record
Prior Sale	Sep 19, 2007 · Amount on Record
Deed Document Number	201192370
Deed Book / Page	20859 / 824
Last Transfer Date	Feb 11, 2017
Transfer Doc	0000063648
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	20415 30 MILE RD, RAY, MI 48096-1824
Transaction Type	Mortgage
Record Updated	Apr 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20415 30 MILE RD, RAY, MI 48096-1824

Mortgage

Document Number	2200051219
Date	Apr 13, 2022
Book Page	28550/692
Instrument	202200051219

Lender

Name	CHOICEONE BANK
Type	Bank
Address	ARMADA, MI 48005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 31, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	20415 30 MILE RD, RAY, MI 48096-1824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20415 30 MILE RD, RAY, MI 48096-1824

Mortgage

Document Number	0000124833
Date	Oct 15, 2020
Book Page	27072/435
Instrument	2124833

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	20415 30 MILE RD, RAY, MI 48096-1824
Document Number	0000147145
Book / Page	025111 / 000917
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20415 30 MILE RD RAY MI 480961824, RAY, MI 48096-1824

Mortgage

Document Number	0000147145
Date	Dec 12, 2017
Book Page	025111/000917
Instrument	147145

Lender

Name	LAKESTONE BK&TR
Address	LAPEER, MI 48446

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 11, 2027

Interest

Rate Type	Adjustable Rate
Rate	3.75%

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MACOMB MI
Recording Date	May 16, 2017
Property Address	20415 30 MILE RD, RAY, MI 48096-1824
Document Number	0000063648
Book / Page	024718 / 000815
Instrument Date	Feb 11, 2017
Instrument	63648
Transaction Type	Transfer
Record Updated	Jun 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20415 30 MILE RD RAY MI 480961824, RAY, MI 48096-1824

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		$439,300 (+7.8%)	$878,600 (+7.8%)
2025	$8,810.00 (+2.91%) Homeowner's exemption	$407,500 (+27.58%)	$815,000 (+27.58%)
2024	$8,561.00 (+14.31%)
2023		$319,400	$638,800
2022	$7,489.00

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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