23508 Talbot St, Saint Clair Shores, MI 48082 Property Records

Macomb County property record for 23508 Talbot St, Saint Clair Shores, MI 48082

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,112 sqft · built 1988
Lot Size	0.227 acres (9,888 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Apr 2024)
Tax Bill	$6,362 (2025)
Deeds & Mortgages	Apr 2024 Sale Oct 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-02-228-044`

Property Details

APN / Parcel Number

Primary APN	`09-14-02-228-044`
Alternative APN	`1402228044`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,112 sqft Living Area
1st Floor Area	1,112 sqft
Basement Area	1,112 sqft
Unfinished Basement	1,098 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
Garage Area	646 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	62 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	23508 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 93
Legal Subdivision	ST . CLAIR VIEW SUBDIVISION
Legal Lot Number	93
Jurisdiction	MACOMB MI
Township / Civil Division	ST. CLAIR SHORES
Census Block Group	2
Census Block	2000
Census Tract	250000

Owner

23508 Talbot St is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	23508 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
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
Apr 8, 2024	Warranty Deed, Transfer STERLING TITLE AGENCY
Oct 15, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK EASTERN MICHIGAN
Feb 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CENTRAL MORTGAGE FUNDING LLC
Dec 2, 2019	Warranty Deed, Transfer · Conventional with PMI SIMPLE HM LNDG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2024 · Amount on File
Deed Sale	Apr 8, 2024 · Amount on File
Prior Sale	Dec 2, 2019 · Amount on File
Deed Document Number	202430226
Deed Book / Page	29542 / 429
Prior Transfer Date	Feb 5, 2021
Prior Transfer Doc	0000124304
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Apr 8, 2024
Property Address	23508 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
Document Number	2400030226
Book / Page	29542 / 429
Map Reference	LB 2 PG 228
Instrument Date	Apr 5, 2024
Instrument	202400030226
Transaction Type	Transfer
Record Updated	May 1, 2024
Title Company	STERLING TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$2,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7924 SPRINGWOOD LAKE RD, HARRISON, MI 48625-9301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22306 KRAMER ST, SAINT CLAIR SHORES, MI 48080-2862

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23508 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000116222
Date	Oct 15, 2019
Book Page	26263/314
Instrument	9116222

Lender

Name	FIFTH THIRD BANK EASTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACOMB MI
Recording Date	Feb 17, 2021
Property Address	23508 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
Document Number	0000124304
Book / Page	27425 / 977
Map Reference	LB 2 PG 228
Instrument Date	Feb 5, 2021
Instrument	2124304
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE & ESCROW CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23508 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556

Mortgage

Document Number	0000124305
Date	Feb 17, 2021
Instrument	2124305

Lender

Name	CENTRAL MORTGAGE FUNDING LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Dec 2, 2019
Property Address	23508 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
Document Number	0000135831
Book / Page	026364 / 000900
Instrument Date	Nov 25, 2019
Instrument	135831
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23508 TALBOT ST ST CLAIR SHORES MI 480822556, ST CLAIR SHORES, MI 48082-2556

Mortgage

Document Number	134884
Date	Dec 2, 2019
Book Page	026360/000566
Instrument	134884

Lender

Name	SIMPLE HM LNDG LLC
Address	SHELBY TOWNSHIP, MI 48315

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 23508 Talbot St was $6,362 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		$142,500 (+9.62%)	$285,000 (+9.62%)
2025	$6,362.00 Homeowner's exemption	$130,000	$260,000
2023		$116,400	$232,800
2022	$4,841.00

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 23508 Talbot St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2004.

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

The area around 23508 Talbot 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
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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