Macomb County property record for 21324 Centennial St, Saint Clair Shores, MI 48081
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,462 sqft · built 1955 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $92,500 (Apr 1995) |
| Tax Bill | $3,689 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jan 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-14-22-177-015 |
| Primary APN | 09-14-22-177-015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,462 sqft Living Area |
| 1st Floor Area | 1,462 sqft |
| Basement Area | 1,066 sqft |
| Unfinished Basement | 1,066 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Brick |
| Roof Type | Gable |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 139 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 539 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 21324 CENTENNIAL ST |
|---|---|
| City | SAINT CLAIR SHORES |
| State | MI |
| Zip | 48081-3109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | CENTENNIAL FARM SUB'N NO. 2 (L30, P36) LOT 90 |
| Legal Subdivision | CENTENNIAL FARM SUB |
| Legal Lot Number | 90 |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | ST. CLAIR SHORES |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 251300 |
21324 Centennial St is owned and occupied by an individual who bought it in April 1995.
Source: Macomb County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21324 CENTENNIAL ST, SAINT CLAIR SHORES, MI 48081-3109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jan 17, 2024 | Deed of Trust, Mortgage · Line of Credit CHRISTIAN FINANCIAL CU |
| Jan 17, 2024 | Deed of Trust, Mortgage · Line of Credit CHRISTIAN FINANCIAL CU |
| Jun 22, 2020 | Deed of Trust, Mortgage MORTGAGE CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 1995 · Amount on File |
| Deed Sale | Apr 17, 1995 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 21324 CENTENNIAL ST, SAINT CLAIR SHORES, MI 48081-3109 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 21324 CENTENNIAL ST, SAINT CLAIR SHORES, MI 48081-3109 |
| Document Number | 2400004167 |
|---|---|
| Date | Jan 17, 2024 |
| Book Page | 29443/306 |
| Instrument | 202400004167 |
| Name | CHRISTIAN FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | 35100 VAN DYKE AVE, STERLING HEIGHTS, MI 48312 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 16, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 21324 CENTENNIAL ST, SAINT CLAIR SHORES, MI 48081-3109 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 21324 CENTENNIAL ST, SAINT CLAIR SHORES, MI 48081-3109 |
| Document Number | 2400004167 |
|---|---|
| Date | Jan 17, 2024 |
| Book Page | 29443/305 |
| Instrument | 202400004167 |
| Name | CHRISTIAN FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | STERLING HEIGHTS, MI 48312 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 16, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 21324 CENTENNIAL ST, SAINT CLAIR SHORES, MI 48081-3109 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000070184 |
|---|---|
| Date | Jun 22, 2020 |
| Book Page | 26779/321 |
| Instrument | 2070184 |
| Name | MORTGAGE CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48076 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2025 property tax bill for 21324 Centennial St was $3,689 with a homeowner's exemption.
Source: Macomb County assessment roll, as of October 19, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Macomb County |
| Municipality | St. Clair Shores City |
| Unified School District | Lakeview Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $148,200 | $296,400 | |
| 2025 | $3,689.00 | ||
| 2023 | $118,900 | $237,800 | |
| 2022 | $3,325.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21324 Centennial St in Zone X, an area of minimal flood risk.
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.
The area around 21324 Centennial St 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 | CITY OF ST. CLAIR SHORES serves 59,715 people · EPA ID MI0006280 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | Jan 2022 |
| Lead | 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 765 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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