20492 31 Mile Rd, Ray, MI 48096 Property Records

Macomb County property record for 20492 31 Mile Rd, Ray, MI 48096

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,454 sqft · built 2018
Lot Size	2.06 acres (89,995 sqft)
Owner	2 Individual Names on Record
Last Sale	$57,000 (Jun 2018)
Tax Bill	$8,191 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-05-09-200-022`

Property Details

APN / Parcel Number

Primary APN	`21-05-09-200-022`
Alternative APN	`0509200022`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,454 sqft Living Area
1st Floor Area	2,454 sqft
Basement Area	2,454 sqft
Unfinished Basement	2,454 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Lot Area	89,995 sqft (2.06 acres)
Garage Area	854 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20492 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 COR SEC 9; TH N8904'00?W 480.38 FT TO POB; TH S0310'30"W 600.46 FT; TH N8904'00?W 150.00 FT; TH N0310'30"E 600.46 FT; TH S89*04'00?E 150.00 FT TO POB 2.066 AC SPLIT/COMBINED ON 11/10/2015 FROM 05-09-200-007;
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	20492 31 MILE RD, RAY, MI 48096-1215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK NA
May 1, 2019	Loan Modification, Mortgage · Conventional with PMI LAKE MI CU
Jun 27, 2018	Warranty Deed, Transfer · Construction Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2018 · Amount on Record
Deed Sale	Jun 27, 2018 · Amount on Record
Deed Document Number	20188073114
Deed Book / Page	25439 / 13
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	20492 31 MILE RD, RAY, MI 48096-1215
Transaction Type	Mortgage
Record Updated	Dec 27, 2021
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20492 31 MILE RD, RAY, MI 48096-1215

Mortgage

Document Number	2102287635
Date	Dec 10, 2021
Book Page	28284/490
Instrument	202102287635

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	20492 31 MILE RD, RAY, MI 48096-1215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016298
Date	Feb 6, 2020
Book Page	26500/845
Instrument	2016298

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MACOMB MI
Property Address	20492 31 MILE RD, RAY, MI 48096-1215
Document Number	0000049135
Instrument Date	May 1, 2019
Transaction Type	Mortgage
Record Updated	May 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20492 MILE RD RAY MI 48096, RAY, MI 48096

Mortgage

Document Number	0000049135
Date	May 2, 2019
Book Page	025938/000166
Instrument	49135

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jun 27, 2018
Property Address	20492 31 MILE RD, RAY, MI 48096-1215
Document Number	0000073114
Book / Page	025439 / 000013
Instrument Date	Jun 19, 2018
Instrument	73114
Transaction Type	Transfer
Record Updated	Sep 10, 2018
Title Company	DEVON TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$490.20
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	52868 SCHAFERS RUN CT CHESTERFIELD MI 480513677, CHESTERFIELD, MI 48051-3677

Mortgage

Document Number	88841
Date	Jun 27, 2018
Book Page	025510/000955
Instrument	88841

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2048

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		$341,300 (+26.69%)	$682,600 (+26.69%)
2025	$8,191.00 (+17.65%)
2023		$269,400	$538,800
2022	$6,962.00

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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