21945 Ridgeway St, Saint Clair Shores, MI 48080 Property Records

Macomb County property record for 21945 Ridgeway St, Saint Clair Shores, MI 48080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1927
Lot Size	0.158 acres (6,882 sqft)
Owner	Individual Name on File
Last Sale	$234,800 (Nov 2023)
Tax Bill	$4,066 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-27-329-041`

Property Details

APN / Parcel Number

Primary APN	`09-14-27-329-041`
Alternative APN	`1427329041`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,050 sqft Living Area
1st Floor Area	726 sqft
Basement Area	647 sqft
Unfinished Basement	647 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Bungalow
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	6,882 sqft (0.158 acres)
Lot Dimensions	138 ft deep x 50 ft wide
Porch	Porch
Porch Area	35 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	21945 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 63
Legal Subdivision	RIDGEWAY PARK SUBDIVISION
Legal Lot Number	63
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	2
Census Block	2000
Census Tract	251700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	21945 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Sep 25, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Dec 14, 2017	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2023 · Amount on File
Deed Sale	Nov 27, 2023 · Amount on File
Prior Sale	Sep 25, 2019 · Amount on File
Deed Document Number	202398617
Deed Book / Page	29389 / 433
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Nov 27, 2023
Property Address	21945 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Document Number	2300098617
Book / Page	29389 / 433
Map Reference	LB 4 PG 31
Instrument Date	Nov 22, 2023
Instrument	202300098617
Transaction Type	Transfer
Record Updated	Dec 6, 2023
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21945 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21945 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086

Mortgage

Document Number	2300098421
Date	Nov 27, 2023
Instrument	202300098421

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Sep 25, 2019
Property Address	21945 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Document Number	0000107611
Book / Page	26218 / 753
Map Reference	LB 4 PG 31
Instrument Date	Sep 16, 2019
Instrument	9107611
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,238.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21945 RIDGEWAY ST, 21945, SAINT CLAIR SHORES, MI 48080-4086

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21945 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086

Mortgage

Document Number	0000107612
Date	Sep 25, 2019
Instrument	9107612

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2034

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Dec 14, 2017
Property Address	21945 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4086
Document Number	0000148466
Book / Page	025117 / 000889
Instrument Date	Nov 27, 2017
Instrument	148466
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,031.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22401 VIOLET ST ST CLAIR SHORES MI 480821724, ST CLAIR SHORES, MI 48082-1724
Investor	Possibly a Property Investor

Mortgage

Document Number	141298
Date	Dec 14, 2017
Book Page	025087/000321
Instrument	141298

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2047

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		$85,400 (+4.53%)	$170,800 (+4.53%)
2025	$4,066.00 (+34.19%) Homeowner's exemption	$81,700 (+13.63%)	$163,400 (+13.63%)
2023		$71,900	$143,800
2022	$3,030.00

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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