Macomb County property record for 21290 31 Mile Rd, Ray, MI 48096
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,284 sqft · built 1993 |
| Lot Size | 10.5 acres (458,382 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Jul 1999) |
| Tax Bill | $7,766 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-05-10-200-021 |
| Primary APN | 21-05-10-200-021 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,284 sqft Living Area |
| 1st Floor Area | 2,180 sqft |
| Basement Area | 2,180 sqft |
| Unfinished Basement | 2,180 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Split Level |
| Lot Area | 458,382 sqft (10.5 acres) |
| Lot Width | 309 ft Width |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 21290 31 MILE RD |
|---|---|
| City | RAY |
| State | MI |
| Zip | 48096-1304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | T4N,R13E SEC 10; COM AT N 1/4 COR SEC 10; TH N89*03'20"E 200.0 FT TO POB; TH CONT N89*-03'20"E 308.75 FT; TH S0*04'- 30"E 2661.70 FT; TH S88*59'- 04"W 156.92 FT; TH N0*05'22"W 2279.15 FT; TH N32*57'0"W 274.42 FT; TH N0*56'40"W 150.0FT TO POB. 10.523 |
| Legal Range | 13E |
| Legal Township | 04N |
| Legal Section | 01 |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | RAY |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 216000 |
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 | 21290 31 MILE RD, RAY, MI 48096-1304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Sep 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Jun 12, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 1999 · Amount on Record |
| Deed Sale | Jul 23, 1999 · Amount on Record |
| Last Transfer Date | Jun 1, 2017 |
| Transfer Doc | 0000073640 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 21290 31 MILE RD, RAY, MI 48096-1304 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 21290 31 MILE RD, RAY, MI 48096-1304 |
| Document Number | 2300003935 |
|---|---|
| Date | Jan 12, 2023 |
| Book Page | 28971/296 |
| Instrument | 202300003935 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 21290 31 MILE RD, RAY, MI 48096-1304 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 21290 31 MILE RD, RAY, MI 48096-1304 |
| Document Number | 2102236646 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 28003/666 |
| Instrument | 202102236646 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 21290 31 MILE RD, RAY, MI 48096-1304 |
| Document Number | 0000110194 |
| Instrument Date | Sep 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21290 31 MILE RD RAY MI 480961304, RAY, MI 48096-1304 |
| Document Number | 0000110194 |
|---|---|
| Date | Oct 1, 2019 |
| Book Page | 026232/000017 |
| Instrument | 110194 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 30, 2034 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Jun 12, 2017 |
| Property Address | 21290 31 MILE RD, RAY, MI 48096-1304 |
| Document Number | 0000073640 |
| Book / Page | 24764 / 228 |
| Instrument Date | Jun 1, 2017 |
| Instrument | 7073640 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2021 |
| Title Company | DEVON TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21290 31 MILE RD, 21290, RAY, MI 48096-1304 |
| Name | Verified Name |
|---|---|
| Address | 21290 31 MILE RD, RAY, MI 48096-1304 |
| Document Number | 0000073641 |
|---|---|
| Date | Jun 12, 2017 |
| Instrument | 7073641 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2037 |
Source: Macomb County assessment roll, as of October 19, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Macomb County |
| County Subdivision | Ray Township |
| Unified School District | Armada Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $365,000 (+7.07%) | $730,000 (+7.07%) | |
| 2025 | $7,766.00 (+2.92%) Homeowner's exemption | $340,900 (+27.49%) | $681,800 (+27.49%) |
| 2024 | $7,546.00 (+14.32%) | ||
| 2023 | $267,400 | $534,800 | |
| 2022 | $6,601.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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