23520 Talbot St, Saint Clair Shores, MI 48082 Property Records

Macomb County property record for 23520 Talbot St, Saint Clair Shores, MI 48082

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,336 sqft · built 1966
Lot Size	0.247 acres (10,759 sqft)
Owner	Individual Name on Record
Last Sale	$172,000 (Jan 2020)
Tax Bill	$4,912 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-02-228-004`

Property Details

APN / Parcel Number

Primary APN	`09-14-02-228-004`
Alternative APN	`1402228004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft
Basement Area	1,336 sqft
Unfinished Basement	1,336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	10,759 sqft (0.247 acres)
Lot Dimensions	162 ft deep x 66 ft wide
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	23520 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) LOT 96
Legal Subdivision	ST . CLAIR VIEW SUBDIVISION
Legal Lot Number	96
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	23520 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC
Mar 13, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 26, 2019	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE 1 AT SUBURBAN
Jan 10, 2020	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2020 · Amount on Record
Deed Sale	Jan 10, 2020 · Amount on Record
Prior Sale	Jun 10, 2016
Deed Document Number	20204832
Deed Book / Page	26450 / 796
Prior Transfer Date	May 20, 2016
Prior Transfer Doc	0000070583
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23520 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
Transaction Type	Mortgage
Record Updated	Mar 18, 2022
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23520 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556

Mortgage

Document Number	2200028724
Date	Mar 2, 2022
Book Page	28464/221
Instrument	202200028724

Lender

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

Agreement

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

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23520 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	0000030062
Date	Mar 13, 2017
Book Page	24600/234
Instrument	7030062

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jun 1, 2046

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23520 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
Document Number	0000000563
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	CISLO TITLE, CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15775 CAMDEN AVE EASTPOINTE MI 480211603, EASTPOINTE, MI 48021-1603

Mortgage

Document Number	0000000563
Date	Jan 2, 2020
Book Page	026429/000811
Instrument	563

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jan 10, 2020
Property Address	23520 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2556
Document Number	0000004832
Book / Page	026450 / 000796
Instrument Date	Dec 26, 2019
Instrument	4832
Transaction Type	Transfer
Record Updated	Feb 10, 2020
Title Company	CISLO TITLE, CISLO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,479.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23520 TALBOT ST ST CLAIR SHORES MI 480822556, ST CLAIR SHORES, MI 48082-2556

Mortgage

Document Number	563
Date	Jan 10, 2020
Book Page	026429/000811
Instrument	563

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2050

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		$125,600 (+5.72%)	$251,200 (+5.72%)
2025	$4,912.00 (+14.1%) Homeowner's exemption	$118,800 (+16.7%)	$237,600 (+16.7%)
2023		$101,800	$203,600
2022	$4,305.00

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 657 locations within half a mile, as of December 31, 2025

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