22014 Stephens St, Saint Clair Shores, MI 48080 Property Records

Macomb County property record for 22014 Stephens St, Saint Clair Shores, MI 48080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,537 sqft · built 2018
Lot Size	0.154 acres (6,708 sqft)
Owner	Individual Name on File
Last Sale	$246,100 (Nov 2018)
Tax Bill	$6,802 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Nov 2018 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-27-329-017`

Property Details

APN / Parcel Number

Primary APN	`09-14-27-329-017`
Alternative APN	`1427329017`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,537 sqft Living Area
1st Floor Area	1,115 sqft
Basement Area	726 sqft
Unfinished Basement	726 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Split Level
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	6,708 sqft (0.154 acres)
Lot Dimensions	111 ft deep x 60 ft wide
Garage Area	474 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	219 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22014 STEPHENS ST
City	SAINT CLAIR SHORES
State	MI
Zip	48080-3967
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	WHITMORE LAKE SUBDIVISION (L4, P17) LOT 52
Legal Subdivision	WHITMORE LAKE SUBDIVISION
Legal Lot Number	52
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	2
Census Block	2000
Census Tract	251700

Owner

22014 Stephens St is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	22014 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-3967
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
Jan 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
Nov 5, 2018	Warranty Deed, Transfer · Conventional with PMI FIRST CHOICE LN SVCS
Dec 13, 2017	Warranty Deed, Transfer CENTRAL LAND AGENCY
Nov 6, 2017	Quit Claim Deed, Transfer Quitclaim
Oct 5, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2018 · Amount on File
Deed Sale	Nov 5, 2018 · Amount on File
Prior Sale	Dec 13, 2017 · Amount on File
Deed Document Number	20188122705
Deed Book / Page	25667 / 463
Prior Transfer Date	Nov 3, 2017
Prior Transfer Doc	0000131071
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	22014 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-3967
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22014 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-3967

Mortgage

Document Number	2300002553
Date	Jan 6, 2023
Book Page	28964/972
Instrument	202300002553

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	TROY, MI 48098

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	178 Months
Due	Nov 15, 2037

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Nov 5, 2018
Property Address	22014 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-3967
Document Number	0000122705
Book / Page	025667 / 000463
Instrument Date	Oct 30, 2018
Instrument	122705
Transaction Type	Transfer
Record Updated	Feb 1, 2019
Title Company	CHIRCO TITLE AGENCY INC, CHIRCO TITLE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,116.46
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22014 STEPHENS ST ST CLAIR SHORES MI 480803967, ST CLAIR SHORES, MI 48080-3967

Mortgage

Document Number	22706
Date	Nov 5, 2018
Book Page	025667/000464
Instrument	22706

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company
Address	EAST BRUNSWICK, NJ 08816

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Dec 13, 2017
Property Address	22014 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-3967
Document Number	0000147580
Book / Page	025114 / 000109
Instrument Date	Dec 11, 2017
Instrument	147580
Transaction Type	Transfer
Record Updated	Jan 11, 2018
Title Company	CENTRAL LAND AGENCY

Transaction

Amount	Amount on Record
Tax	$258.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25305 LITTLE MACK AVE ST CLAIR SHORES MI 480813370, ST CLAIR SHORES, MI 48081-3370
Investor	Possibly a Property Investor

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MACOMB MI
Recording Date	Nov 6, 2017
Property Address	22014 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-3967
Document Number	0000131071
Book / Page	025040 / 000157
Instrument Date	Nov 3, 2017
Instrument	131071
Transaction Type	Transfer
Record Updated	Dec 8, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48081 VIRGINIA DR MACOMB MI 480444907, MACOMB, MI 48044-4907

October 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MACOMB MI
Recording Date	Oct 5, 2017
Property Address	22014 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-3967
Document Number	0000119498
Book / Page	024981 / 000675
Instrument Date	Sep 15, 2017
Instrument	119498
Transaction Type	Foreclosure
Record Updated	Nov 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$58.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48081 VIRGINIA DR MACOMB MI 480444907, MACOMB, MI 48044-4907

Tax Assessment & Valuation

The 2025 property tax bill for 22014 Stephens St was $6,802 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		$167,400	$334,800
2025	$6,802.00
2023		$135,400	$270,800
2022	$5,997.00

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

Flood

FEMA maps place 22014 Stephens 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

Wildfire risk around 22014 Stephens St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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