22832 Gary Ln, Saint Clair Shores, MI 48080 Property Records

Macomb County property record for 22832 Gary Ln, Saint Clair Shores, MI 48080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,350 sqft · built 1957
Lot Size	0.158 acres (6,882 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Mar 2026)
Tax Bill	$3,105 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Feb 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-35-328-002`

Property Details

APN / Parcel Number

Primary APN	`09-14-35-328-002`
Alternative APN	`1435328002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	1,350 sqft
Basement Area	1,341 sqft
Unfinished Basement	1,340 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Brick
Roof Type	Gable
Lot Area	6,882 sqft (0.158 acres)
Lot Dimensions	114 ft deep x 60 ft wide
Garage Type	Mixed
Garage Area	453 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	51 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	22832 GARY LN
City	SAINT CLAIR SHORES
State	MI
Zip	48080-2513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LAKE SHORE ACRES SUBDIVISION (L33, P11-12) LOT 69
Legal Subdivision	LAKESHORE ACRES SUBDIVISION
Legal Lot Number	69
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	1
Census Block	1007
Census Tract	252200

Owner

22832 Gary Ln is owned and occupied by an individual who bought it in March 2026.

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	23245 CLAIRWOOD ST, SAINT CLAIR SHORES, MI 48080-3416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK
Feb 25, 2026	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK
Feb 18, 2026	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK
Mar 23, 2026	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2026 · Amount on File
Deed Sale	Mar 23, 2026 · Amount on File
Deed Document Number	202624242
Deed Book / Page	30573 / 667
Prior Transfer Date	Jan 13, 2025
Prior Transfer Doc	0000003920
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	22832 GARY LN, SAINT CLAIR SHORES, MI 48080-2513
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22832 GARY LN, SAINT CLAIR SHORES, MI 48080-2513

Mortgage

Document Number	2200089100
Date	Jul 21, 2022
Book Page	28723/166
Instrument	202200089100

Lender

Name	FIRST STATE BANK
Type	Bank
Address	SAINT CLAIR SHORES, MI 48080

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 11, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	22832 GARY LN, SAINT CLAIR SHORES, MI 48080-2513
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22832 GARY LN, SAINT CLAIR SHORES, MI 48080-2513

Mortgage

Document Number	2600016164
Date	Feb 25, 2026
Book Page	30531/311
Instrument	202600016164

Lender

Name	FIRST STATE BANK
Type	Bank
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	22832 GARY LN, SAINT CLAIR SHORES, MI 48080-2513
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22832 GARY LN, SAINT CLAIR SHORES, MI 48080-2513

Mortgage

Document Number	2600013975
Date	Feb 18, 2026
Book Page	30521/366
Instrument	202600013975

Lender

Name	FIRST STATE BANK
Type	Bank
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Mar 23, 2026
Property Address	22832 GARY LN, SAINT CLAIR SHORES, MI 48080-2513
Document Number	2600024242
Book / Page	30573 / 667
Map Reference	LB 33 PG 11&12
Instrument Date	Mar 20, 2026
Instrument	202600024242
Transaction Type	Transfer
Record Updated	Apr 6, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,362.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22832 GARY LN, SAINT CLAIR SHORES, MI 48080-2513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23245 CLAIRWOOD ST, SAINT CLAIR SHORES, MI 48080-3416

Mortgage

Document Number	0000575749
Date	Mar 23, 2026
Instrument	30575/749

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 22832 Gary Ln was $3,105 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		$126,100 (+5.97%)	$252,200 (+5.97%)
2025	$3,105.00 Homeowner's exemption	$119,000	$238,000
2023		$104,600	$209,200
2022	$2,738.00

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 22832 Gary Ln in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1981.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	36 (1981–2018)
Claims Outside the SFHA	22 of 36
Most Recent Claim	Oct 2018 · river or lake 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

The area around 22832 Gary Ln 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 488 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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