22399 Pratt Rd, Armada, MI 48005 Property Records

Macomb County property record for 22399 Pratt Rd, Armada, MI 48005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1985
Lot Size	12.8 acres (558,526 sqft)
Owner	2 Individuals on Record
Last Sale	$290,603 (Sep 2021)
Tax Bill	$6,171 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-02-02-200-026`

Property Details

APN / Parcel Number

Primary APN	`13-02-02-200-026`
Alternative APN	`0202200026`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Lot Area	558,526 sqft (12.8 acres)
Lot Width	310 ft Width

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	22399 PRATT RD
City	ARMADA
State	MI
Zip	48005-1419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG 1.75
Legal Description	02-02-200-026 T5N, R13E, SEC 2, BEG AT CEN COR SEC 2; TH ALG E/W 1/4 LN N89-52-00W 228.89 FT, TH N00-27-39W 1182.19 FT, TH
Legal Range	13E
Legal Township	05N
Legal Section	02
Jurisdiction	MACOMB MI
Township / Civil Division	ARMADA
Census Block Group	1
Census Block	1002
Census Tract	212000

Owner

Source: Macomb County assessment roll, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	21641 34 MILE RD, ARMADA, MI 48005-3102
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 20, 2021	Warranty Deed, Transfer
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage CASON HOME LOANS
Dec 30, 2019	Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE
Jul 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION ONE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2021 · Amount on Record
Deed Sale	Sep 20, 2021 · Amount on Record
Prior Sale	Feb 11, 2020 · Amount on Record
Deed Document Number	20212239636
Deed Book / Page	28020 / 486
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	22399 PRATT RD, ARMADA, MI 48005-1419
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21641 34 MILE RD, ARMADA, MI 48005-3102

Mortgage

Document Number	2102238334
Date	Sep 16, 2021
Book Page	28013/700
Instrument	202102238334

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Sep 20, 2021
Property Address	22399 PRATT RD, ARMADA, MI 48005-1419
Document Number	2102239636
Book / Page	28020 / 486
Instrument Date	Aug 26, 2021
Instrument	202102239636
Transaction Type	Transfer
Record Updated	Oct 8, 2021

Transaction

Amount	Amount Recorded
Tax	$2,182.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22399 PRATT RD, 22399, ARMADA, MI 48005-1419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22399 PRATT RD, ARMADA, MI 48005-1419
Investor	Possibly a Property Investor

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	22399 PRATT RD, ARMADA, MI 48005-1419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22399 PRATT RD, ARMADA, MI 48005-1419

Mortgage

Document Number	0000145769
Date	Nov 25, 2020
Book Page	27193/966
Instrument	2145769

Lender

Name	CASON HOME LOANS
Type	Mortgage Company
Address	NORTH PALM BEACH, FL 33408

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	22399 PRATT RD, ARMADA, MI 48005-1419
Document Number	0000006244
Instrument Date	Dec 30, 2019
Transaction Type	Mortgage
Record Updated	Feb 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22399 PRATT RD ARMADA MI 480051419, ARMADA, MI 48005-1419

Mortgage

Document Number	0000006244
Date	Jan 15, 2020
Book Page	026456/000399
Instrument	6244

Lender

Name	CREDIT UNION ONE
Type	Credit Union
Address	FERNDALE, MI 48220

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 14, 2045

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	22399 PRATT RD, ARMADA, MI 48005-1419
Document Number	0000098434
Book / Page	024878 / 000779
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Sep 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22399 PRATT RD ARMADA MI 480051419, ARMADA, MI 48005-1419

Mortgage

Document Number	0000098434
Date	Aug 10, 2017
Book Page	024878/000779
Instrument	98434

Lender

Name	CREDIT UNION ONE
Type	Credit Union
Address	FERNDALE, MI 48220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 9, 2032

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
County Subdivision	Armada Township
Unified School District	Armada Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$152,200 (+31.09%)	$304,400 (+31.09%)
2025	$6,171.00 (+15.45%)
2023		$116,100	$232,200
2022	$5,345.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2004)
Most Recent Claim	May 2004 · Severe Storms, Tornadoes, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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