21901 Ridgeway St, Saint Clair Shores, MI 48080 Property Records

Macomb County property record for 21901 Ridgeway St, Saint Clair Shores, MI 48080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1955
Lot Size	0.158 acres (6,882 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Sep 2023)
Tax Bill	$4,618 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-27-329-033`

Property Details

APN / Parcel Number

Primary APN	`09-14-27-329-033`
Alternative APN	`1427329033`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Brick
Roof Type	Gable
Lot Area	6,882 sqft (0.158 acres)
Lot Dimensions	138 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	62 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	21901 RIDGEWAY ST
City	SAINT CLAIR SHORES
State	MI
Zip	48080-4086
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	RIDGEWAY PARK SUBDIVISION (L4, P31) LOT 71
Legal Subdivision	RIDGEWAY PARK SUBDIVISION
Legal Lot Number	71
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	2
Census Block	2000
Census Tract	251700

Owner

21901 Ridgeway St is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
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
Aug 14, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Sep 22, 2023	Intrafamily Transfer, Transfer
Sep 22, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 24, 2023	Intrafamily Transfer, Transfer
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Nov 6, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2023 · Amount on File
Deed Sale	Sep 22, 2023 · Amount on File
Prior Sale	Nov 6, 2017 · Amount on File
Deed Document Number	202380994
Deed Book / Page	29307 / 966
Prior Transfer Date	Sep 21, 2023
Prior Transfer Doc	0000080993
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Recording Date	Aug 14, 2026
Property Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Document Number	0000077511
Book / Page	30812 / 60
Instrument Date	Aug 10, 2026
Instrument	202677511
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Investor	Possibly a Property Investor

Mortgage

Document Number	0000077511,
Date	Aug 14, 2026
Book Page	30812/60
Instrument	202677511

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACOMB MI
Recording Date	Sep 22, 2023
Property Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Document Number	2300080993
Book / Page	29307 / 964
Map Reference	LB 4 PG 31
Instrument Date	Sep 21, 2023
Instrument	202300080993
Transaction Type	Transfer
Record Updated	Oct 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Sep 22, 2023
Property Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Document Number	2300080994
Book / Page	29307 / 966
Map Reference	LB 4 PG 31
Instrument Date	Sep 21, 2023
Instrument	202300080994
Transaction Type	Transfer
Record Updated	Oct 18, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Investor	Possibly a Property Investor

Mortgage

Document Number	2300080995
Date	Sep 22, 2023
Instrument	202300080995

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACOMB MI
Recording Date	Aug 24, 2023
Property Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Document Number	2300072794
Book / Page	29270 / 205
Map Reference	LB 4 PG 31
Instrument Date	Aug 24, 2023
Instrument	202300072794
Transaction Type	Transfer
Record Updated	Sep 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21901 RIDGEWAY ST, ST CLAIR SHRS, MI 48080-4086

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	19500 HALL RD, CLINTON TOWNSHIP, MI 48038-5317

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21901 RIDGEWAY ST, ST CLAIR SHRS, MI 48080-4086

Mortgage

Document Number	2102240912
Date	Sep 21, 2021
Book Page	28027/352
Instrument	202102240912

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Nov 6, 2017
Property Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Document Number	0000131702
Book / Page	25043 / 255
Map Reference	LB 4 PG 31
Instrument Date	Oct 19, 2017
Instrument	7131702
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Amount	Amount on Record
Tax	$1,079.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21901 RIDGEWAY ST, 21901, SAINT CLAIR SHORES, MI 48080-4086

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21901 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086

Tax Assessment & Valuation

The 2025 property tax bill for 21901 Ridgeway St was $4,618 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		$100,700	$201,400
2025	$4,618.00
2023		$79,200	$158,400
2022	$2,758.00

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 21901 Ridgeway 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 21901 Ridgeway 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 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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