23154 Torrey St, Armada, MI 48005 Property Records

Macomb County property record for 23154 Torrey St, Armada, MI 48005

Property Summary

Property Type	Single Family Home
Details	1 ba · 875 sqft · built 1935
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,038 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-02-24-305-004`

Property Details

APN / Parcel Number

Primary APN	`25-02-24-305-004`
Alternative APN	`0224305004`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	875 sqft Living Area
1st Floor Area	875 sqft
Basement Area	875 sqft
Unfinished Basement	875 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Wood Siding
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	149 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	23154 TORREY ST
City	ARMADA
State	MI
Zip	48005-7709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V-R1
Legal Description	02 24 305 004 23154 TORREY MI 48005 VILLAGE OF ARMADA SURVEY AND PLAT OF THE SUBDIVISION OF THE VILLAGE OF BURKS CORNERS HENRY O SMITHS ADDITION LOT 8 BLK 5.
Legal Subdivision	OF THE SUBDIVISION
Legal Block	5
Legal Lot Number	8
Jurisdiction	MACOMB MI
Township / Civil Division	ARMADA
Census Block Group	2
Census Block	2013
Census Tract	212000

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	23154 TORREY ST, ARMADA, MI 48005-7709
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Special Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Sep 25, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 18, 2022	Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2026
Deed Sale	Jul 8, 2026
Prior Sale	Sep 25, 2025 · Amount on Record
Deed Document Number	202664566
Deed Book / Page	30749 / 676
Prior Transfer Date	Jun 30, 2026
Prior Transfer Doc	0000064566
Record Updated	Oct 29, 2026

July 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jul 8, 2026
Property Address	23154 TORREY ST, ARMADA, MI 48005-7709
Document Number	0000064566
Book / Page	30749 / 676
Instrument Date	Jun 30, 2026
Instrument	202664566
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	23154 TORREY ST, ARMADA, MI 48005-7709

Mortgage

Document Number	0000064567,
Date	Jul 8, 2026
Instrument	202664567

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Sep 25, 2025
Property Address	23154 TORREY ST, ARMADA, MI 48005-7709
Document Number	2500086109
Book / Page	30303 / 676
Map Reference	LB 1 PG 7
Instrument Date	Sep 18, 2025
Instrument	202500086109
Transaction Type	Transfer
Record Updated	Oct 8, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7800 ANCHOR BAY DR, CLAY, MI 48001-3001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23154 TORREY ST, ARMADA, MI 48005-7709

Mortgage

Document Number	0000303678
Date	Sep 25, 2025
Instrument	30303/678

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Feb 18, 2022
Property Address	23154 TORREY ST, ARMADA, MI 48005-7709
Document Number	2200023718
Book / Page	28441 / 786
Map Reference	LB 1 PG 7
Instrument Date	Jan 10, 2022
Instrument	202200023718
Transaction Type	Transfer
Record Updated	Mar 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$933.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2457 BRADLEY RD, 2457, BREWTON, AL 36426-5931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23154 TORREY ST, ARMADA, MI 48005-7709

Mortgage

Document Number	2200023719
Date	Feb 18, 2022
Instrument	202200023719

Lender

Name	ANGEL OAK HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Armada Village
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		$114,500 (+58.37%)	$229,000 (+58.37%)
2025	$3,038.00 (-6.06%)	$72,300 (+19.9%)	$144,600 (+19.9%)
2024	$3,234.00 (+108.11%)
2023		$60,300	$120,600
2022	$1,554.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 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	VILLAGE OF ARMADA serves 1,794 people · EPA ID MI0000240
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate resolved · Jul 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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