21712 Finlan St, Saint Clair Shores, MI 48080 Property Records

Macomb County property record for 21712 Finlan St, Saint Clair Shores, MI 48080

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,592 sqft · built 1940
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on File
Last Sale	$175,500 (Sep 2018)
Tax Bill	$4,763 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-27-354-013`

Property Details

APN / Parcel Number

Primary APN	`09-14-27-354-013`
Alternative APN	`1427354013`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,592 sqft Living Area
1st Floor Area	1,424 sqft
Basement Area	674 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	320 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	32 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	21712 FINLAN ST
City	SAINT CLAIR SHORES
State	MI
Zip	48080-4004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LAKEVIEW GARDENS SUBDIVISION (L4, P88) LOT 353
Legal Subdivision	LAKEVIEW GARDENS SUBDIVISION
Legal Lot Number	353
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	3
Census Block	3014
Census Tract	251700

Owner

21712 Finlan St is owned and occupied by an individual who bought it in September 2018.

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

Owner of Record	Individual Name on File
Mailing Address	21712 FINLAN ST, SAINT CLAIR SHORES, MI 48080-4004
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Deed of Trust, Mortgage · Line of Credit NORTHLAND AREA FCU
Sep 23, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 15, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Sep 25, 2018	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2018 · Amount on File
Deed Sale	Sep 25, 2018 · Amount on File
Prior Sale	Sep 15, 2015 · Amount on File
Deed Document Number	20188106575
Deed Book / Page	25594 / 817
Prior Transfer Date	Feb 28, 2002
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	21712 FINLAN ST, SAINT CLAIR SHORES, MI 48080-4004
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21712 FINLAN ST, SAINT CLAIR SHORES, MI 48080-4004

Mortgage

Document Number	2200115928
Date	Oct 11, 2022
Book Page	28849/306
Instrument	202200115928

Lender

Name	NORTHLAND AREA FCU
Type	Credit Union
Address	ALPENA, MI 49707

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	21712 FINLAN ST, SAINT CLAIR SHORES, MI 48080-4004
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21712 FINLAN ST, SAINT CLAIR SHORES, MI 48080-4004

Mortgage

Document Number	2102242336
Date	Sep 23, 2021
Book Page	28036/452
Instrument	202102242336

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	21712 FINLAN ST, SAINT CLAIR SHORES, MI 48080-4004
Document Number	0000075340
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	21712 FINLAN ST ST CLAIR SHORES MI 480804004, ST CLAIR SHORES, MI 48080-4004

Mortgage

Document Number	0000075340
Date	Jul 6, 2020
Book Page	026810/000599
Instrument	75340

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Sep 25, 2018
Property Address	21712 FINLAN ST, SAINT CLAIR SHORES, MI 48080-4004
Document Number	0000006575
Book / Page	000817 / 000001
Instrument Date	Sep 24, 2018
Instrument	6575
Transaction Type	Transfer
Record Updated	Nov 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,509.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 WOODLAKE LN PONTIAC MI 483401198, PONTIAC, MI 48340-1198

Mortgage

Document Number	14491
Date	Sep 25, 2018
Book Page	025631/000032
Instrument	14491

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 21712 Finlan St was $4,763 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		$122,300	$244,600
2025	$4,763.00
2023		$110,600	$221,200
2022	$4,029.00

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

Flood

FEMA maps place 21712 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 21712 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 578 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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