21700 31 Mile Rd, Ray, MI 48096 Property Records

Macomb County property record for 21700 31 Mile Rd, Ray, MI 48096

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,161 sqft · built 1996
Lot Size	2.23 acres (97,182 sqft)
Owner	2 Individual Names on Record
Last Sale	$271,000 (Nov 2014)
Tax Bill	$5,282 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-05-10-200-023`

Property Details

APN / Parcel Number

Primary APN	`21-05-10-200-023`
Alternative APN	`0510200023`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,161 sqft Living Area
1st Floor Area	1,059 sqft
Basement Area	1,059 sqft
Unfinished Basement	1,059 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1997
Lot Area	97,182 sqft (2.23 acres)
Lot Dimensions	312 ft deep x 314 ft wide
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	21700 31 MILE RD
City	RAY
State	MI
Zip	48096-1320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T4N, R13E SEC10 COM NE COR SEC 10; TH S8903'20"W 314.18 FT TO POB; TH S8903'20"W 314.18 FT; TH S 312.0 FT; TH N89*03'20"E
Legal Range	13E
Legal Township	04N
Legal Section	10
Jurisdiction	MACOMB MI
Township / Civil Division	RAY
Census Block Group	1
Census Block	1029
Census Tract	216000

Owner

Source: Macomb County records, as of July 6, 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	21700 31 MILE RD, RAY, MI 48096-1320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 27, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2014 · Amount on Record
Deed Sale	Nov 12, 2014 · Amount on Record
Deed Document Number	20144135884
Deed Book / Page	23105 / 46
Prior Transfer Date	Jul 9, 2014
Prior Transfer Doc	0000082055
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	21700 31 MILE RD, RAY, MI 48096-1320
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21700 31 MILE RD, RAY, MI 48096-1320

Mortgage

Document Number	2600021956
Date	Mar 16, 2026
Book Page	30562/410
Instrument	202600021956

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	21700 31 MILE RD, RAY, MI 48096-1320
Transaction Type	Mortgage
Record Updated	Jul 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21700 31 MILE RD, RAY TWP, MI 48096-1320

Mortgage

Document Number	2102166187
Date	Apr 27, 2021
Book Page	27622/243
Instrument	202102166187

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
County Subdivision	Ray Township
Unified School District	Armada Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$228,400 (+5.74%)	$456,800 (+5.74%)
2025	$5,282.00 (+2.9%) Homeowner's exemption	$216,000 (+17.52%)	$432,000 (+17.52%)
2024	$5,133.00 (+14.32%)
2023		$183,800	$367,600
2022	$4,490.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 83% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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