20424 31 Mile Rd, Ray, MI 48096 Property Records

Macomb County property record for 20424 31 Mile Rd, Ray, MI 48096

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,386 sqft · built 1890
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Mar 2019)
Tax Bill	$4,259 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-05-09-200-006`

Property Details

APN / Parcel Number

Primary APN	`21-05-09-200-006`
Alternative APN	`0509200006`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,386 sqft Living Area
1st Floor Area	846 sqft
Basement Area	540 sqft
Unfinished Basement	540 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1995
Lot Area	217,800 sqft (5 acres)
Garage Type	Detached
Garage Area	450 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	20424 31 MILE RD
City	RAY
State	MI
Zip	48096-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T4N,R13E, SEC 9 COMM AT NE CORSEC 9; TH N8904'W 630.38 FT ALG N SEC LINE TO PT OF BEG; TH CONT N8904'W 223.0 FT ALG SD N SEC LINE; TH S0310'30"W 977.43 FT; TH S8904'E 223.0 FT; TH N03*10'30"E 977.43 FT TO PT OF BEG. 5.0 AC.
Legal Range	13E
Legal Township	04N
Legal Section	09
Jurisdiction	MACOMB MI
Township / Civil Division	RAY
Census Block Group	1
Census Block	1028
Census Tract	216000

Owner

Source: Macomb County records, as of October 19, 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	20424 31 MILE RD, RAY, MI 48096-1215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Deed of Trust, Mortgage CALIBER HM LOANS
Nov 7, 2019	Deed of Trust, Mortgage CALIBER HM LOANS
Mar 11, 2019	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2019 · Amount on Record
Deed Sale	Mar 11, 2019 · Amount on Record
Deed Document Number	20199023300
Deed Book / Page	25843 / 886
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	20424 31 MILE RD, RAY, MI 48096-1215
Document Number	0000089305
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	LIBERTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20424 31 MILE RD RAY MI 480961215, RAY, MI 48096-1215

Mortgage

Document Number	0000089305
Date	Aug 3, 2020
Book Page	026881/000817
Instrument	89305

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	20424 31 MILE RD, RAY, MI 48096-1215
Document Number	0000136287
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20424 31 MILE RD RAY MI 480961215, RAY, MI 48096-1215

Mortgage

Document Number	0000136287
Date	Dec 2, 2019
Book Page	026367/000165
Instrument	136287

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Mar 11, 2019
Property Address	20424 31 MILE RD, RAY, MI 48096-1215
Document Number	0000023300
Book / Page	025843 / 000886
Instrument Date	Mar 7, 2019
Instrument	23300
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,107.00
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	53743 SPRINGHILL MEADOWS DR MACOMB MI 480425743, MACOMB, MI 48042-5743

Mortgage

Document Number	23413
Date	Mar 11, 2019
Book Page	025844/000481
Instrument	23413

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2049

Tax Assessment & Valuation

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	Armada Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$152,900 (-3.17%)	$305,800 (-3.17%)
2025	$4,259.00 (+13.21%)
2023		$157,900	$315,800
2022	$3,762.00

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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