21530 Finlan St, Saint Clair Shores, MI 48080 Property Records

Macomb County property record for 21530 Finlan St, Saint Clair Shores, MI 48080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,313 sqft · built 1940
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on File
Last Sale	$227,000 (Apr 2023)
Tax Bill	$5,041 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-27-354-004`

Property Details

APN / Parcel Number

Primary APN	`09-14-27-354-004`
Alternative APN	`1427354004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,313 sqft Living Area
1st Floor Area	1,143 sqft
Basement Area	679 sqft
Unfinished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	606 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	32 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	21530 FINLAN ST
City	SAINT CLAIR SHORES
State	MI
Zip	48080-1435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LAKEVIEW GARDENS SUBDIVISION (L4, P88) LOT 362
Legal Subdivision	LAKEVIEW GARDENS SUBDIVISION
Legal Lot Number	362
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	3
Census Block	3014
Census Tract	251700

Owner

21530 Finlan St is owned and occupied by an individual who bought it in April 2023.

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 File
Mailing Address	21530 FINLAN ST, SAINT CLAIR SHORES, MI 48080-1435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Warranty Deed, Transfer · Conventional Mortgage PAC FEDERAL CU
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST SAVINGS BANK
Aug 25, 2017	Warranty Deed, Transfer · FHA Mortgage MAIN STREET BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2023 · Amount on File
Deed Sale	Apr 27, 2023 · Amount on File
Prior Sale	Aug 25, 2017 · Amount on File
Deed Document Number	202337094
Deed Book / Page	29103 / 336
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Apr 27, 2023
Property Address	21530 FINLAN ST, SAINT CLAIR SHORES, MI 48080-1435
Document Number	2300037094
Book / Page	29103 / 336
Map Reference	LB 4 PG 88
Instrument Date	Apr 21, 2023
Instrument	202300037094
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	GREATER MACOMB TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,702.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21530 FINLAN ST, SAINT CLAIR SHORES, MI 48080-1435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21530 FINLAN ST, SAINT CLAIR SHORES, MI 48080-1435

Mortgage

Document Number	2300036937
Date	Apr 26, 2023
Book Page	29102/507
Instrument	202300036937

Lender

Name	PAC FEDERAL CU
Type	Credit Union
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	May 1, 2028

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	21530 FINLAN ST, SAINT CLAIR SHORES, MI 48080-1435
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21530 FINLAN ST, SAINT CLAIR SHORES, MI 48080-1435

Mortgage

Document Number	0000117594
Date	Feb 2, 2021
Book Page	27390/480
Instrument	2117594

Lender

Name	FIRST SAVINGS BANK
Type	Bank
Address	CLARKSVILLE, IN 47129

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Aug 25, 2017
Property Address	21530 FINLAN ST, SAINT CLAIR SHORES, MI 48080-1435
Document Number	0000104326
Book / Page	24907 / 294
Map Reference	LB 4 PG 88
Instrument Date	Aug 21, 2017
Instrument	7104326
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	VISIONARY TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21530 FINLAN ST, 21530, SAINT CLAIR SHORES, MI 48080-1435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21530 FINLAN ST, SAINT CLAIR SHORES, MI 48080-1435

Mortgage

Document Number	0000104327
Date	Aug 25, 2017
Instrument	7104327

Lender

Name	MAIN STREET BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 21530 Finlan St was $5,041 with a homeowner's exemption.

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	South Lake Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,000	$206,000
2025	$5,041.00
2023		$88,300	$176,600
2022	$2,856.00

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

FEMA maps place 21530 Finlan St in Zone X, an area of minimal flood risk.

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

The area around 21530 Finlan 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.

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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