21511 Stephens St, Saint Clair Shores, MI 48080 Property Records

Macomb County property record for 21511 Stephens St, Saint Clair Shores, MI 48080

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,098 sqft · built 1927
Lot Size	0.152 acres (6,621 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Jan 2025)
Tax Bill	$3,037 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Oct 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-14-27-304-016`

Property Details

APN / Parcel Number

Primary APN	`09-14-27-304-016`
Alternative APN	`1427304016`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,098 sqft Living Area
1st Floor Area	1,098 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	6,621 sqft (0.152 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	344 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	21511 STEPHENS ST
City	SAINT CLAIR SHORES
State	MI
Zip	48080-1280
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	WHITMORE LAKE SUBDIVISION (L4, P17) LOT 86
Legal Subdivision	WHITMORE LAKE SUBDIVISION
Legal Lot Number	86
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	2
Census Block	2003
Census Tract	251600

Owner

Source: Macomb County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	21511 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-1280
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Oct 15, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2025 · Amount on Record
Deed Sale	Jan 28, 2025 · Amount on Record
Prior Sale	Jun 17, 2020 · Amount on Record
Deed Document Number	20256916
Deed Book / Page	29943 / 334
Prior Transfer Date	Mar 6, 2008
Prior Transfer Doc	0000055493
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jun 17, 2020
Property Address	21511 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-1280
Document Number	0000068669
Book / Page	026770 / 000186
Instrument Date	Jun 4, 2020
Instrument	68669
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,066.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22105 EDGEWOOD ST ST CLAIR SHORES MI 480802031, ST CLAIR SHORES, MI 48080-2031

Mortgage

Document Number	68670
Date	Jun 17, 2020
Book Page	026770/000188
Instrument	68670

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MACOMB MI
Recording Date	Oct 15, 2018
Property Address	21511 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-1280
Document Number	0000014068
Book / Page	025628 / 000966
Instrument Date	Oct 5, 2018
Instrument	14068
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1716 SAN JACINTO DR ALLEN TX 750135337, ALLEN, TX 75013-5337

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
Municipality	St. Clair Shores City
Unified School District	Lakeview Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$88,300 (+9.01%)	$176,600 (+9.01%)
2025	$3,037.00 (+13.41%) Homeowner's exemption	$81,000 (+30.02%)	$162,000 (+30.02%)
2023		$62,300	$124,600
2022	$2,678.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Drinking Water

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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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