22015 Stephens St, Saint Clair Shores, MI 48080 Property Records

Macomb County property record for 22015 Stephens St, Saint Clair Shores, MI 48080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,067 sqft · built 1958
Lot Size	0.152 acres (6,621 sqft)
Owner	Individual Name on File
Last Sale	$204,000 (Jun 2023)
Tax Bill	$4,772 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-14-27-328-044`

Property Details

APN / Parcel Number

Primary APN	`09-14-27-328-044`
Alternative APN	`1427328044`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,067 sqft Living Area
1st Floor Area	1,067 sqft
Basement Area	1,067 sqft
Unfinished Basement	1,067 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Brick
Roof Type	Gable
Lot Area	6,621 sqft (0.152 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	406 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	22015 STEPHENS ST
City	SAINT CLAIR SHORES
State	MI
Zip	48080-3970
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	WHITMORE LAKE SUBDIVISION (L4, P17) LOT 113
Legal Subdivision	WHITMORE LAKE SUBDIVISION
Legal Lot Number	113
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	2
Census Block	2003
Census Tract	251600

Owner

22015 Stephens St is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	22015 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-3970
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2023 · Amount on File
Deed Sale	Jun 1, 2023 · Amount on File
Deed Document Number	202348203
Deed Book / Page	29151 / 223
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jun 1, 2023
Property Address	22015 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-3970
Document Number	2300048203
Book / Page	29151 / 223
Map Reference	LB 4 PG 17
Instrument Date	May 19, 2023
Instrument	202300048203
Transaction Type	Transfer
Record Updated	Jun 20, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,530.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22015 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-3970

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	22015 STEPHENS ST, SAINT CLAIR SHORES, MI 48080-3970

Mortgage

Document Number	2300045706
Date	May 23, 2023
Book Page	29138/431
Instrument	202300045706

Lender

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

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 22015 Stephens St was $4,772 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	Lakeview Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,100	$206,200
2025	$4,772.00
2023		$83,000	$166,000
2022	$2,192.00

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 22015 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 22015 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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