23312 Torrey St, Armada, MI 48005 Property Records

Macomb County property record for 23312 Torrey St, Armada, MI 48005

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,666 sqft · built 1954
Lot Size	0.342 acres (14,898 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Apr 2021)
Tax Bill	$3,588 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-02-24-305-009`

Property Details

APN / Parcel Number

Primary APN	`25-02-24-305-009`
Alternative APN	`0224305009`

Interior

Full Baths	1 Bath
Building Area	1,666 sqft Living Area
1st Floor Area	1,410 sqft
Basement Area	1,026 sqft
Unfinished Basement	1,026 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Wood Siding
Lot Area	14,898 sqft (0.342 acres)
Lot Dimensions	149 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	23312 TORREY ST
City	ARMADA
State	MI
Zip	48005-7711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V-R1
Legal Description	02 24 305 009 23312 TORREY MI 48005 VILLAGE OF ARMADA LAMPHERE SUB LOT 8.
Legal Subdivision	VILLAGE OF ARMADA LAMPHERE SUB
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 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 Individual Names on Record
Mailing Address	23312 TORREY ST, ARMADA, MI 48005-7711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage LUXURY MORTGAGE CORP
Apr 16, 2021	Warranty Deed, Transfer PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC
Oct 26, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CHOICEONE BANK
May 1, 2020	Deed of Trust, Mortgage · Conventional with PMI LAKESTONE BK&TR
May 17, 2019	Deed of Trust, Mortgage LAKESTONE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2021 · Amount on Record
Deed Sale	Apr 16, 2021 · Amount on Record
Prior Sale	Oct 8, 2015 · Amount on Record
Deed Document Number	20212158679
Deed Book / Page	27572 / 9
Prior Transfer Date	Nov 22, 2000
Prior Transfer Doc	0000112163
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23312 TORREY ST, ARMADA, MI 48005-7711
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7822 MARY LOU CT, SHELBY TOWNSHIP, MI 48317-2350

Mortgage

Document Number	2102143704
Date	Mar 29, 2021
Book Page	27518/829
Instrument	202102143704

Lender

Name	LUXURY MORTGAGE CORP
Type	Mortgage Company
Address	STAMFORD, CT 06901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Apr 16, 2021
Property Address	23312 TORREY ST, ARMADA, MI 48005-7711
Document Number	2102158679
Book / Page	27572 / 9
Map Reference	LB 30 PG 2
Instrument Date	Mar 23, 2021
Instrument	202102158679
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$2,236.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23312 TORREY ST, 23312, ARMADA, MI 48005-7711

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23312 TORREY ST, ARMADA, MI 48005-7711

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23312 TORREY ST, ARMADA, MI 48005-7711
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23312 TORREY ST, ARMADA, MI 48005-7711

Mortgage

Document Number	0000129744
Date	Oct 26, 2020
Book Page	27098/401
Instrument	2129744

Lender

Name	CHOICEONE BANK
Type	Bank
Address	SPARTA, MI 49345

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23312 TORREY ST, ARMADA, MI 48005-7711
Document Number	0000054771
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23312 TORREY ST ARMADA MI 480057711, ARMADA, MI 48005-7711

Mortgage

Document Number	0000054771
Date	May 6, 2020
Book Page	026686/000842
Instrument	54771

Lender

Name	LAKESTONE BK&TR
Address	LAPEER, MI 48446

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	May 5, 2040

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23312 TORREY ST, ARMADA, MI 48005-7711
Document Number	0000058805
Instrument Date	May 17, 2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23312 TORREY ST ARMADA MI 480057711, ARMADA, MI 48005-7711

Mortgage

Document Number	0000058805
Date	May 28, 2019
Book Page	025979/000655
Instrument	58805

Lender

Name	LAKESTONE BK&TR
Address	LAPEER, MI 48446

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 27, 2039

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of July 6, 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		$132,200 (+9.35%)	$264,400 (+9.35%)
2025	$3,588.00 (+16.46%) Homeowner's exemption	$120,900 (+15.69%)	$241,800 (+15.69%)
2023		$104,500	$209,000
2022	$3,081.00

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
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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