23700 Talbot St, Saint Clair Shores, MI 48082 Property Records

Macomb County property record for 23700 Talbot St, Saint Clair Shores, MI 48082

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,498 sqft · built 1968
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Jan 2026)
Deeds & Mortgages	Aug 2023 Mortgage May 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-02-228-038`

Property Details

APN / Parcel Number

Primary APN	`09-14-02-228-038`
Alternative APN	`1402228038`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,498 sqft Living Area
1st Floor Area	1,498 sqft
Basement Area	1,436 sqft
Unfinished Basement	1,436 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Brick
Roof Type	Gable
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	163 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	497 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	23700 TALBOT ST
City	SAINT CLAIR SHORES
State	MI
Zip	48082-2558
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	ST. CLAIR VIEW SUBDIVISION (L2, P228) PART OF LOT 106 DESC AS FOL: BEG AT NWLY COR LOT 106; TH SELY ALG NLY LINE LOT 106, 56 FT; TH S3644'41" W 81.30 FT; TH N 5159'20"W 1.80 FT; TH S38*00'40"W 81.91 FT TO A PT IN SLY LINE LOT 106; TH NW'LY TO SW'LY
Legal Subdivision	ST . CLAIR VIEW SUBDIVISION
Legal Lot Number	56,106
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	23950 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2563
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 6, 2021	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
May 10, 2024	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Jan 26, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE 1 INC
Sep 19, 2017	Deed of Trust, Mortgage · Line of Credit COMERICA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2026 · Amount on Record
Deed Sale	Jan 26, 2026 · Amount on Record
Prior Sale	Sep 1, 1998 · Amount on Record
Deed Document Number	20267375
Deed Book / Page	30490 / 579
Prior Transfer Date	Apr 10, 2012
Prior Transfer Doc	0000070710
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23700 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2558
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23700 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2558

Mortgage

Document Number	2300069101
Date	Aug 11, 2023
Book Page	29252/722
Instrument	202300069101

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23700 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2558
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23700 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2558

Mortgage

Document Number	2102175874
Date	May 6, 2021
Book Page	27675/144
Instrument	202102175874

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23700 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2558
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23700 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2558

Mortgage

Document Number	2400040027
Date	May 10, 2024
Book Page	29585/537
Instrument	202400040027

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jan 26, 2026
Property Address	23700 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2558
Document Number	2600007375
Book / Page	30490 / 579
Map Reference	LB 2 PG 228
Instrument Date	Jan 22, 2026
Instrument	202600007375
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	GREATER MACOMB TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23700 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2558

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23950 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2563

Mortgage

Document Number	0000490581
Date	Jan 26, 2026
Instrument	30490/581

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	23700 TALBOT ST, SAINT CLAIR SHORES, MI 48082-2558
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000112509
Date	Sep 19, 2017
Book Page	24948/608
Instrument	7112509

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$130,300 (+4.57%)	$260,600 (+4.57%)
2025	Homeowner's exemption	$124,600	$249,200

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	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	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
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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