Macomb County property record for 20491 Windemere Dr, Macomb, MI 48044
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,462 sqft · built 1999 |
| Lot Size | 0.194 acres (8,451 sqft) |
| Owner | Individual Name on File |
| Last Sale | $482,500 (Jul 2026) |
| Tax Bill | $5,062 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2025 Line of Credit + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-08-33-281-020 |
| Primary APN | 20-08-33-281-020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,462 sqft Living Area |
| 1st Floor Area | 1,520 sqft |
| Basement Area | 1,520 sqft |
| Unfinished Basement | 1,520 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Brick |
| Lot Area | 8,451 sqft (0.194 acres) |
| Lot Dimensions | 121 ft deep x 70 ft wide |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 20491 WINDEMERE DR |
|---|---|
| City | MACOMB |
| State | MI |
| Zip | 48044-3529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WINDEMERE WOODS SUB LOT 40 LIBER: 97 PAGES: 1-5 |
| Legal Subdivision | WINDEMERE WOODS SUB |
| Legal Lot Number | 40 |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | MACOMB |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 224201 |
20491 Windemere Dr is owned and occupied by an individual who bought it in July 2026.
Source: Macomb County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3622 BROAD ST, SAINT CHARLES, MO 63301-8549 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 30, 2026 | Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB |
| Nov 10, 2025 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Aug 29, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Aug 21, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Sep 5, 2019 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| May 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jun 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Oct 21, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2026 · Amount on File |
| Deed Sale | Jul 30, 2026 · Amount on File |
| Prior Sale | Jun 29, 2012 · Amount on File |
| Deed Document Number | 202672492 |
| Deed Book / Page | 30787 / 897 |
| Prior Transfer Date | Nov 20, 2015 |
| Prior Transfer Doc | 0000148066 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Jul 30, 2026 |
| Property Address | 20491 WINDEMERE DR, MACOMB, MI 48044-3529 |
| Document Number | 0000072492 |
| Book / Page | 30787 / 897 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 202672492 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | FIRST PARTNERS TITLE, PARTNERS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $419,099.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3622 BROAD ST, SAINT CHARLES, MO 63301-8549 |
| Document Number | 3080000878, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 30806/878 |
| Name | FLAGSTAR BANK FSB |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 20491 WINDEMERE DR, MACOMB, MI 48044-3529 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Title Company | CORPORATE SETTLEMENT SOLUTIONS, CORPORATE STLMT SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 20491 WINDEMERE DR, MACOMB, MI 48044-3529 |
| Document Number | 2500101006 |
|---|---|
| Date | Nov 10, 2025 |
| Book Page | 30382/238 |
| Instrument | 202500101006 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 5, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 20491 WINDEMERE DR, MACOMB, MI 48044-3529 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 20491 WINDEMERE DR, MACOMB, MI 48044-3529 |
| Document Number | 2300073844 |
|---|---|
| Date | Aug 29, 2023 |
| Book Page | 29274/903 |
| Instrument | 202300073844 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 9, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 20491 WINDEMERE DR, MACOMB, MI 48044-3529 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000102314 |
|---|---|
| Date | Aug 21, 2017 |
| Book Page | 24898/087 |
| Instrument | 7102314 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 4, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 20491 WINDEMERE DR, MACOMB, MI 48044-3529 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000099337 |
|---|---|
| Date | Sep 5, 2019 |
| Book Page | 26174/154 |
| Instrument | 9099337 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 13, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 20491 WINDEMERE DR, MACOMB, MI 48044-3529 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000053699 |
|---|---|
| Date | May 5, 2020 |
| Book Page | 26684/524 |
| Instrument | 2053699 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8% |
| Index | 1-Year LIBOR |
| Max Rate | 8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 20491 WINDEMERE DR, MACOMB, MI 48044-3529 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | ABSTRACT TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 20491 WINDWARD DR, MACOMB, MI 48044-3580 |
| Document Number | 2102191943 |
|---|---|
| Date | Jun 3, 2021 |
| Book Page | 27762/836 |
| Instrument | 202102191943 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 20491 WINDEMERE DR, MACOMB, MI 48044-3529 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 20491 WINDEMERE DR, MACOMB, MI 48044-3529 |
| Document Number | 2102255744 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 28113/470 |
| Instrument | 202102255744 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 30, 2051 |
The 2025 property tax bill for 20491 Windemere Dr was $5,062 with a homeowner's exemption.
Source: Macomb County assessment roll, as of October 19, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Macomb County |
| County Subdivision | Macomb Township |
| Unified School District | Chippewa Valley Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $235,500 (+3.7%) | $471,000 (+3.7%) | |
| 2025 | $5,062.00 Homeowner's exemption | $227,100 | $454,200 |
| 2023 | $196,700 | $393,400 | |
| 2022 | $4,474.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 20491 Windemere Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 4, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 20491 Windemere Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 528 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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