21816 Ridgeway St, Saint Clair Shores, MI 48080 Property Records

Macomb County property record for 21816 Ridgeway St, Saint Clair Shores, MI 48080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,119 sqft · built 1972
Lot Size	0.182 acres (7,928 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Apr 2023)
Tax Bill	$4,877 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-27-330-004`

Property Details

APN / Parcel Number

Primary APN	`09-14-27-330-004`
Alternative APN	`1427330004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,119 sqft Living Area
1st Floor Area	1,119 sqft
Basement Area	1,134 sqft
Unfinished Basement	1,134 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	7,928 sqft (0.182 acres)
Lot Dimensions	120 ft deep x 66 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	21816 RIDGEWAY ST
City	SAINT CLAIR SHORES
State	MI
Zip	48080-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	RIDGEWAY PARK SUBDIVISION (L4, P31) LOT 116
Legal Subdivision	RIDGEWAY PARK SUBDIVISION
Legal Lot Number	116
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	2
Census Block	2001
Census Tract	251700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	21816 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-1431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · FHA Mortgage EVERETT FINANCIAL INC
Apr 14, 2023	Warranty Deed, Transfer CORTITLE LLC, CORETITLE LLC
Oct 28, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EVERETT FINANCIAL INC
Mar 27, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2023 · Amount on Record
Deed Sale	Apr 14, 2023 · Amount on Record
Prior Sale	Mar 27, 2023 · Amount on Record
Deed Document Number	202333437
Deed Book / Page	29086 / 367
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	21816 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-1431
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 PETERS ST, LAKE ORION, MI 48359-1146

Mortgage

Document Number	2102262096
Date	Oct 28, 2021
Book Page	28151/369
Instrument	202102262096

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	May 1, 2051

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Apr 14, 2023
Property Address	21816 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-1431
Document Number	2300033437
Book / Page	29086 / 367
Map Reference	LB 4 PG 31
Instrument Date	Apr 6, 2023
Instrument	202300033437
Transaction Type	Transfer
Record Updated	May 2, 2023
Title Company	CORTITLE LLC, CORETITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,387.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21816 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-1431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30040 MAISON ST, SAINT CLAIR SHORES, MI 48082-1613

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	21816 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-1431
Transaction Type	Mortgage
Record Updated	Nov 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21816 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-1431

Mortgage

Document Number	2102262097
Date	Oct 28, 2021
Book Page	28151/378
Instrument	202102262097

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	115 Months
Due	May 1, 2031

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Mar 27, 2023
Property Address	21816 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-1431
Document Number	2300023142
Book / Page	29056 / 888
Map Reference	LB 4 PG 31
Instrument Date	Apr 1, 2021
Instrument	202300023142
Transaction Type	Transfer
Record Updated	Apr 14, 2023
Title Company	CAPITAL TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21822 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-1431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8920 MESSMORE RD, SHELBY TOWNSHIP, MI 48317-4444

Mortgage

Document Number	2300032147
Date	Apr 10, 2023
Book Page	29080/516
Instrument	202300032147

Lender

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

Agreement

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

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	South Lake Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$104,900 (+23.56%)	$209,800 (+23.56%)
2025	$4,877.00 (+31.99%)
2023		$84,900	$169,800
2022	$3,695.00

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, 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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