20998 Vesper Dr, Macomb, MI 48044 Property Records

Macomb County property record for 20998 Vesper Dr, Macomb, MI 48044

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,783 sqft · built 2004
Lot Size	0.606 acres (26,397 sqft)
Owner	2 Individual Names on Record
Last Sale	$352,900 (Jun 2005)
Tax Bill	$6,513 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-08-22-198-015`

Property Details

APN / Parcel Number

Primary APN	`20-08-22-198-015`
Alternative APN	`0822198015`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,783 sqft Living Area
1st Floor Area	1,967 sqft
Basement Area	1,967 sqft
Unfinished Basement	1,967 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Architectural Style	Split Level
Lot Area	26,397 sqft (0.606 acres)
Lot Dimensions	208 ft deep x 127 ft wide
Garage Area	766 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20998 VESPER DR
City	MACOMB
State	MI
Zip	48044-1381
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WINGATE FARMS SUB LOT 25 LIBER 156 PGS 28-33
Legal Subdivision	WINGATE FARMS SUB
Legal Lot Number	25
Jurisdiction	MACOMB MI
Township / Civil Division	MACOMB
Census Block Group	2
Census Block	2022
Census Tract	224002

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	20998 VESPER DR, MACOMB, MI 48044-1381
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CTR LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2005 · Amount on Record
Deed Sale	Jun 24, 2005 · Amount on Record
Prior Sale	Apr 7, 2004 · Amount on Record
Deed Document Number	20055113903
Deed Book / Page	16841 / 672
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	20998 VESPER DR, MACOMB, MI 48044-1381
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20998 VESPER DR, MACOMB, MI 48044-1381

Mortgage

Document Number	2102257263
Date	Oct 22, 2021
Book Page	28121/472
Instrument	202102257263

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	20998 VESPER DR, MACOMB, MI 48044-1381
Document Number	0000116174
Instrument Date	Aug 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20998 VESPER DR MACOMB MI 480441381, MACOMB, MI 48044-1381

Mortgage

Document Number	0000116174
Date	Sep 27, 2017
Book Page	024965/000374
Instrument	116174

Lender

Name	MORTGAGE CTR LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 26, 2032

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
County Subdivision	Macomb Township
Unified School District	Chippewa Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$262,600 (+20.62%)	$525,200 (+20.62%)
2025	$6,513.00 (+6.54%)
2023		$217,700	$435,400
2022	$6,113.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 398 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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