23523 Torrey St, Armada, MI 48005 Property Records

Macomb County property record for 23523 Torrey St, Armada, MI 48005

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,542 sqft · built 1978
Lot Size	0.263 acres (11,456 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Jan 2019)
Tax Bill	$3,723 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-02-24-327-002`

Property Details

APN / Parcel Number

Primary APN	`25-02-24-327-002`
Alternative APN	`0224327002`

Interior

Full Baths	2 Baths
Building Area	1,542 sqft Living Area
1st Floor Area	1,004 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Wood Siding
Lot Area	11,456 sqft (0.263 acres)
Lot Dimensions	135 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	23523 TORREY ST
City	ARMADA
State	MI
Zip	48005-4669
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V-R1
Legal Description	L3406 P301 WD 8/7/82 02 24 327 002 23523 TORREY ST MI 48005 5 VILLAGE OF ARMADA ARMADA MEADOWS SUBDIVISION LOT 16.
Legal Subdivision	ARMADA MEADOWS SUBDIVISION
Legal Lot Number	16
Jurisdiction	MACOMB MI
Township / Civil Division	ARMADA
Census Block Group	2
Census Block	2008
Census Tract	212000

Owner

23523 Torrey St is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	23523 TORREY ST, ARMADA, MI 48005-4669
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 13, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 25, 2019	Deed of Trust, Mortgage · VA Mortgage TOWNE MORTGAGE CO
Jan 10, 2019	Warranty Deed, Transfer · VA Mortgage TOWNE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2019 · Amount on File
Deed Sale	Jan 10, 2019 · Amount on File
Deed Document Number	20199003835
Deed Book / Page	25763 / 416
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23523 TORREY ST, ARMADA, MI 48005-4669
Transaction Type	Mortgage
Record Updated	Jun 8, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23523 TORREY ST, ARMADA, MI 48005-4669

Mortgage

Document Number	2102156271
Date	Apr 13, 2021
Book Page	27555/780
Instrument	202102156271

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23523 TORREY ST, ARMADA, MI 48005-4669
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000120666
Date	Oct 25, 2019
Book Page	26286/305
Instrument	9120666

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jan 10, 2019
Property Address	23523 TORREY ST, ARMADA, MI 48005-4669
Document Number	0000003835
Book / Page	25763 / 416
Map Reference	LB 74 PG 1
Instrument Date	Dec 21, 2018
Instrument	9003835
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	DEVON TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34958 MEADOWLARK LN, 34958, RICHMOND, MI 48062-1841

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80260 MCFADDEN RD, ARMADA, MI 48005-1022

Mortgage

Document Number	0000003836
Date	Jan 10, 2019
Instrument	9003836

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 23523 Torrey St was $3,723 with a homeowner's exemption.

Source: Macomb County assessment roll, as of October 19, 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		$139,700	$279,400
2025	$3,723.00
2023		$110,100	$220,200
2022	$3,197.00

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

Flood

FEMA maps place 23523 Torrey St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 23523 Torrey St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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