23226 Joy St, Saint Clair Shores, MI 48082 Property Records

Macomb County property record for 23226 Joy St, Saint Clair Shores, MI 48082

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,003 sqft · built 1961
Lot Size	0.221 acres (9,627 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Jan 2024)
Tax Bill	$5,603 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Feb 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-02-252-001`

Property Details

APN / Parcel Number

Primary APN	`09-14-02-252-001`
Alternative APN	`1402252001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,003 sqft Living Area
1st Floor Area	1,003 sqft
Basement Area	1,003 sqft
Unfinished Basement	1,003 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	9,627 sqft (0.221 acres)
Lot Dimensions	275 ft deep x 61.5 ft wide
Garage Area	542 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	23226 JOY ST
City	SAINT CLAIR SHORES
State	MI
Zip	48082-1142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	ASSESSOR'S PLAT NO 71 (L45, P42) E 61.3' OF LOT 43
Legal Subdivision	ASSESSORS PLAT #71
Legal Lot Number	43
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	3
Census Block	3005
Census Tract	250000

Owner

23226 Joy St is owned and occupied by an individual who bought it in January 2024.

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

Owner of Record	Individual Name on File
Mailing Address	23226 JOY ST, SAINT CLAIR SHORES, MI 48082-1142
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
Jan 24, 2024	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 8, 2023	Quit Claim Deed, Transfer Quitclaim
May 30, 2018	Warranty Deed, Transfer
May 16, 2017	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE CO
Feb 2, 2017	Warranty Deed, Construction Loan FTF LNDG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2024 · Amount on File
Deed Sale	Jan 24, 2024 · Amount on File
Prior Sale	May 30, 2018 · Amount on File
Deed Document Number	20245813
Deed Book / Page	29451 / 28
Prior Transfer Date	Feb 7, 2023
Prior Transfer Doc	0000010770
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jan 24, 2024
Property Address	23226 JOY ST, SAINT CLAIR SHORES, MI 48082-1142
Document Number	2400005813
Book / Page	29451 / 28
Map Reference	LB 45 PG 42
Instrument Date	Jan 16, 2024
Instrument	202400005813
Transaction Type	Transfer
Record Updated	Feb 15, 2024
Title Company	FIRST TITLE COMPANY, FIRST TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$1,762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	37901 HURON POINTE DR, HARRISON TOWNSHIP, MI 48045-2830

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39520 LAKESHORE DR, HARRISON TOWNSHIP, MI 48045-1864

Mortgage

Document Number	2400006131
Date	Jan 24, 2024
Instrument	202400006131

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Mortgage

Document Number	2400006131
Date	Jan 25, 2024
Book Page	29452/391
Instrument	202400006131

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	2160 SUPERIOR AVE E, CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MACOMB MI
Recording Date	Feb 8, 2023
Property Address	23226 JOY ST, SAINT CLAIR SHORES, MI 48082-1142
Document Number	2300010770
Book / Page	29000 / 493
Map Reference	LB 45 PG 42
Instrument Date	Feb 7, 2023
Instrument	202300010770
Transaction Type	Transfer
Record Updated	Feb 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	37901 HURON POINTE DR, HARRISON TWP, MI 48045-2830

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37901 HURON POINTE DR, HARRISON TWP, MI 48045-2830

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	May 30, 2018
Property Address	23226 JOY ST, SAINT CLAIR SHORES, MI 48082-1142
Document Number	0000061663
Book / Page	25387 / 465
Map Reference	LB 45 PG 42
Instrument Date	May 22, 2018
Instrument	8061663
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Amount	Amount on Record
Tax	$1,032.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23226 JOY ST, 23226, SAINT CLAIR SHORES, MI 48082-1142

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23226 JOY ST, SAINT CLAIR SHORES, MI 48082-1142

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	May 16, 2017
Property Address	23226 JOY ST, SAINT CLAIR SHORES, MI 48082-1142
Document Number	0000063946
Book / Page	24719 / 849
Map Reference	LB 45 PG 42
Instrument Date	May 11, 2017
Instrument	7063946
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	ABSTRACT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,307.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27520 HOOVER RD, 27520, WARREN, MI 48093-4505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42903 RICHMOND DR # 12, 12, STERLING HEIGHTS, MI 48313-2950

Mortgage

Document Number	0000063947
Date	May 16, 2017
Instrument	7063947

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2032

February 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Feb 2, 2017
Property Address	23226 JOY ST, SAINT CLAIR SHORES, MI 48082-1142
Document Number	0000013258
Book / Page	024536 / 000054
Instrument Date	Jan 13, 2017
Instrument	13258
Transaction Type	Construction Loan
Record Updated	Feb 16, 2017
Title Company	BARRISTER TITLE SERVICES, BARRISTERS TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$791.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23226 JOY ST ST CLAIR SHORES MI 480821142, ST CLAIR SHORES, MI 48082-1142

Mortgage

Document Number	13259
Date	Feb 2, 2017
Book Page	024536/000055
Instrument	13259

Lender

Name	FTF LNDG LLC
Address	NEW YORK, NY 10016

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 23226 Joy St was $5,603 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	Lake Shore Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,800 (+4.63%)	$239,600 (+4.63%)
2025	$5,603.00 Homeowner's exemption	$114,500	$229,000
2023		$96,600	$193,200
2022	$5,091.00

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 23226 Joy 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 23226 Joy 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 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless 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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