23504 Talbot St, Saint Clair Shores, MI 48082 Property Records

Macomb County property record for 23504 Talbot St, Saint Clair Shores, MI 48082

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,112 sqft · built 1988
Lot Size	0.227 acres (9,888 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Aug 2019)
Tax Bill	$4,999 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-02-228-043`

Property Details

APN / Parcel Number

Primary APN	`09-14-02-228-043`
Alternative APN	`1402228043`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,112 sqft Living Area
1st Floor Area	1,112 sqft
Basement Area	1,112 sqft
Unfinished Basement	1,112 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Brick
Roof Type	Gable
Lot Area	9,888 sqft (0.227 acres)
Lot Dimensions	150 ft deep x 66 ft wide
Porch	Porch
Porch Area	62 sqft
Patio Area	366 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	23504 TALBOT ST
City	SAINT CLAIR SHORES
State	MI
Zip	48082-2556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	ST. CLAIR VIEW SUBDIVISION (L2, P228) NORTHERLY 150' OF LOT 92
Legal Subdivision	ST . CLAIR VIEW SUBDIVISION
Legal Lot Number	92
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	2
Census Block	2000
Census Tract	250000

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	Individual Name on Record
Mailing Address	23504 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC
Aug 30, 2019	Warranty Deed, Transfer GREATER MACOMB TITLE AGENCY
Apr 6, 2017	Warranty Deed, Transfer · FHA Mortgage HOMESITE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2019 · Amount on Record
Deed Sale	Aug 30, 2019 · Amount on Record
Prior Sale	Apr 6, 2017 · Amount on Record
Deed Document Number	20199097537
Deed Book / Page	26165 / 586
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23504 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23504 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556

Mortgage

Document Number	2102180410
Date	May 13, 2021
Book Page	27701/833
Instrument	202102180410

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Aug 30, 2019
Property Address	23504 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
Document Number	0000097537
Book / Page	26165 / 586
Map Reference	LB 2 PG 228
Instrument Date	Aug 19, 2019
Instrument	9097537
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	GREATER MACOMB TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,358.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23504 TALBOT ST, 23504, SAINT CLAIR SHORES, MI 48082-2556

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23504 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Apr 6, 2017
Property Address	23504 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
Document Number	0000046458
Book / Page	24648 / 139
Map Reference	LB 2 PG 228
Instrument Date	Apr 5, 2017
Instrument	7046458
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	CHIRCO TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234504 TALBOT ST, 234504, SAINT CLAIR SHORES, MI 48083

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23504 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556

Mortgage

Document Number	0000046460
Date	Apr 6, 2017
Book Page	24648/142
Instrument	7046460

Lender

Name	HOMESITE MORTGAGE LLC
Type	Mortgage Company
Address	UTICA, MI 48315

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

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		$135,700 (+29.36%)	$271,400 (+29.36%)
2025	$4,999.00 (+14.08%)
2023		$104,900	$209,800
2022	$4,382.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	1 in force
Nearby Flood Claims	4 (2004–2014)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Aug 2014 · Severe Storms 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	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
Also Mapped Here	CLINTON TOWNSHIP
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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