21905 Ridgeway St, Saint Clair Shores, MI 48080 Property Records

Macomb County property record for 21905 Ridgeway St, Saint Clair Shores, MI 48080

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 724 sqft · built 1927
Lot Size	0.158 acres (6,882 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Mar 2026)
Tax Bill	$3,920 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-27-329-034`

Property Details

APN / Parcel Number

Primary APN	`09-14-27-329-034`
Alternative APN	`1427329034`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	724 sqft Living Area
1st Floor Area	724 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
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	252 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	114 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	21905 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 70
Legal Subdivision	RIDGEWAY PARK SUBDIVISION
Legal Lot Number	70
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	2
Census Block	2000
Census Tract	251700

Owner

21905 Ridgeway St is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1914 SEVERN RD, GROSSE POINTE WOODS, MI 48236-1961
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Mar 12, 2026	Warranty Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Aug 1, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK
Jul 28, 2020	Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2026 · Amount on File
Deed Sale	Mar 12, 2026 · Amount on File
Prior Sale	Aug 1, 2023 · Amount on File
Deed Document Number	202621161
Deed Book / Page	30558 / 131
Prior Transfer Date	Mar 24, 2023
Prior Transfer Doc	0000032492
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Mar 12, 2026
Property Address	21905 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Document Number	2600021161
Book / Page	30558 / 131
Map Reference	LB 4 PG 31
Instrument Date	Mar 4, 2026
Instrument	202600021161
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,012.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21905 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1914 SEVERN RD, GROSSE POINTE WOODS, MI 48236-1961

Mortgage

Document Number	0000561668
Date	Mar 12, 2026
Instrument	30561/668

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

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

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Aug 1, 2023
Property Address	21905 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Document Number	2300065714
Book / Page	29235 / 108
Map Reference	LB 4 PG 31
Instrument Date	Jul 25, 2023
Instrument	202300065714
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CENTRAL LAND AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48131 VAN DYKE AVE, SHELBY TOWNSHIP, MI 48317-3268

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21905 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086

Mortgage

Document Number	0009233348
Date	Aug 1, 2023
Instrument	29233/348

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jul 28, 2020
Property Address	21905 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Document Number	0000086529
Book / Page	26865 / 917
Map Reference	LB 4 PG 31
Instrument Date	Jul 10, 2020
Instrument	2086529
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	$928.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21905 RIDGEWAY ST, 21905, SAINT CLAIR SHORES, MI 48080-4086

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21905 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086

Mortgage

Document Number	0000086530
Date	Jul 28, 2020
Instrument	2086530

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 21905 Ridgeway St was $3,920 with a homeowner's exemption, up 4.8% from the year before.

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		$72,200 (+6.65%)	$144,400 (+6.65%)
2025	$3,920.00 (+4.81%)	$67,700	$135,400
2024	$3,740.00
2023		$50,700	$101,400
2022	$1,957.00

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 21905 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 21905 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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