22109 Ridgeway St, Saint Clair Shores, MI 48080 Property Records

Macomb County property record for 22109 Ridgeway St, Saint Clair Shores, MI 48080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,014 sqft · built 1955
Lot Size	0.158 acres (6,882 sqft)
Owner	Individual Name on File
Last Sale	$153,700 (Jan 2019)
Tax Bill	$3,743 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-27-329-049`

Property Details

APN / Parcel Number

Primary APN	`09-14-27-329-049`
Alternative APN	`1427329049`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,014 sqft Living Area
1st Floor Area	1,014 sqft
Basement Area	1,014 sqft
Unfinished Basement	1,014 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,882 sqft (0.158 acres)
Lot Dimensions	138 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22109 RIDGEWAY ST
City	SAINT CLAIR SHORES
State	MI
Zip	48080-4088
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	RIDGEWAY PARK SUBDIVISION (L4, P31) LOT 55
Legal Subdivision	RIDGEWAY PARK SUBDIVISION
Legal Lot Number	55
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	2
Census Block	2000
Census Tract	251700

Owner

22109 Ridgeway St is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	22109 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4088
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
Jun 17, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL MACOMB COMMUNITY CU
Jun 24, 2020	Deed of Trust, Mortgage · Conventional with PMI MICHIGAN MUTUAL
Jan 3, 2019	Warranty Deed, Transfer · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2019 · Amount on File
Deed Sale	Jan 3, 2019 · Amount on File
Prior Sale	Aug 1, 2016 · Amount on File
Deed Document Number	20199001401
Deed Book / Page	25754 / 122
Prior Transfer Date	Aug 11, 2015
Prior Transfer Doc	0000103313
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	22109 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4088
Transaction Type	Mortgage
Record Updated	Jul 1, 2022
Title Company	LIBERTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22109 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4088

Mortgage

Document Number	2200076972
Date	Jun 17, 2022
Book Page	28665/598
Instrument	202200076972

Lender

Name	CENTRAL MACOMB COMMUNITY CU
Type	Credit Union
Address	MOUNT CLEMENS, MI 48046

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 16, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	22109 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4088
Document Number	0000087843
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22109 RIDGEWAY ST ST CLAIR SHORES MI 480804088, ST CLAIR SHORES, MI 48080-4088

Mortgage

Document Number	0000087843
Date	Jul 29, 2020
Book Page	026872/000767
Instrument	87843

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jan 3, 2019
Property Address	22109 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4088
Document Number	0000001401
Book / Page	25754 / 122
Map Reference	LB 4 PG 31
Instrument Date	Dec 21, 2018
Instrument	9001401
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,324.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22109 RIDGEWAY ST, 22109, SAINT CLAIR SHORES, MI 48080-4088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22109 RIDGEWAY ST, SAINT CLAIR SHORES, MI 48080-4088

Mortgage

Document Number	0000001402
Date	Jan 3, 2019
Instrument	9001402

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 22109 Ridgeway St was $3,743 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		$103,200	$206,400
2025	$3,743.00
2023		$84,300	$168,600
2022	$3,300.00

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

Flood

FEMA maps place 22109 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 22109 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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