21092 Cumberland Dr, Macomb, MI 48044 Property Records

Macomb County property record for 21092 Cumberland Dr, Macomb, MI 48044

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,555 sqft · built 1998
Lot Size	0.298 acres (12,981 sqft)
Owner	Individual Name on Record
Last Sale	$482,000 (Oct 2021)
Tax Bill	$7,224 (2025)
Deeds & Mortgages	Jan 2019 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-22-379-004`

Property Details

APN / Parcel Number

Primary APN	`20-08-22-379-004`
Alternative APN	`0822379004`

Interior

Full Baths	2.5 Baths
Half Baths	3 Half Baths
Stories	2 Stories
Building Area	2,555 sqft Living Area
1st Floor Area	1,639 sqft
Basement Area	1,639 sqft
Unfinished Basement	1,639 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1999
Architectural Style	Split Level
Exterior Material	Brick
Lot Area	12,981 sqft (0.298 acres)
Lot Dimensions	180 ft deep x 72 ft wide
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	21092 CUMBERLAND DR
City	MACOMB
State	MI
Zip	48044-1816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DEERFIELD PARK SUB #1 LOT 85 LIBER: 114 PAGES: 43-49
Legal Subdivision	DEERFIELD PARK SUB
Legal Lot Number	85
Jurisdiction	MACOMB MI
Township / Civil Division	MACOMB
Census Block Group	2
Census Block	2028
Census Tract	224002

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	Individual Name on Record
Mailing Address	21092 CUMBERLAND DR, MACOMB, MI 48044-1816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST SAVINGS BANK
Oct 29, 2021	Warranty Deed, Transfer CRISLO TITLE COMPANY, CISLO TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Prior Sale	Nov 5, 1998 · Amount on Record
Deed Document Number	20212262896
Deed Book / Page	28155 / 713
Prior Transfer Date	Dec 8, 2009
Prior Transfer Doc	0000131288
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	21092 CUMBERLAND DR, MACOMB, MI 48044-1816
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 CALIFORNIA ST 2700, 2700, SAN FRANCISCO, CA 94108-2608

Mortgage

Document Number	0000002432
Date	Jan 7, 2019
Book Page	25758/210
Instrument	9002432

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 7, 2029

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	21092 CUMBERLAND DR, MACOMB, MI 48044-1816
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21092 CUMBERLAND DR, MACOMB, MI 48044-1816

Mortgage

Document Number	2102255609
Date	Oct 21, 2021
Book Page	28112/286
Instrument	202102255609

Lender

Name	FIRST SAVINGS BANK
Type	Bank
Address	CLARKSVILLE, IN 47129

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Oct 29, 2021
Property Address	21092 CUMBERLAND DR, MACOMB, MI 48044-1816
Document Number	2102262896
Book / Page	28155 / 713
Map Reference	LB 114 PG 43-49
Instrument Date	Oct 1, 2021
Instrument	202102262896
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$3,615.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21092 CUMBERLAND DR, 21092, MACOMB, MI 48044-1816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21092 CUMBERLAND DR, MACOMB, MI 48044-1816

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of October 19, 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		$257,900 (+3.16%)	$515,800 (+3.16%)
2025	$7,224.00 (+13.14%) Homeowner's exemption	$250,000 (+12.31%)	$500,000 (+12.31%)
2023		$222,600	$445,200
2022	$6,385.00

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.

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 100 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 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.

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 360 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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