24345 Cottage Ln, Warren, MI 48089 Property Records

Macomb County property record for 24345 Cottage Ln, Warren, MI 48089

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,002 sqft · built 1956
Lot Size	0.164 acres (7,144 sqft)
Owner	Individual Name on File
Last Sale	$112,000 (May 2018)
Tax Bill	$2,674 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-13-25-177-016`

Property Details

APN / Parcel Number

Primary APN	`12-13-25-177-016`
Alternative APN	`1325177016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,002 sqft Living Area
Gross Area	1 sqft
1st Floor Area	1,002 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	7,144 sqft (0.164 acres)
Lot Dimensions	130 ft deep x 55 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	24345 COTTAGE LN
City	WARREN
State	MI
Zip	48089-4708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-C
Legal Description	SUNNY ACRES SUBDIVISION LOT 88 L.32 P.35-36
Legal Subdivision	SUNNY ACRES SUBDIVISION
Legal Lot Number	88
Jurisdiction	MACOMB MI
Township / Civil Division	WARREN
Census Block Group	2
Census Block	2004
Census Tract	262900

Owner

24345 Cottage Ln is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	24345 COTTAGE LN, WARREN, MI 48089-4708
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
Jul 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 1, 2018	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2018 · Amount on File
Deed Sale	May 1, 2018 · Amount on File
Prior Sale	Jan 4, 2016 · Amount on File
Deed Document Number	20188049989
Deed Book / Page	25336 / 889
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	24345 COTTAGE LN, WARREN, MI 48089-4708
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24345 COTTAGE LN, WARREN, MI 48089-4708

Mortgage

Document Number	2102211018
Date	Jul 15, 2021
Book Page	27868/475
Instrument	202102211018

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	May 1, 2018
Property Address	24345 COTTAGE LN, WARREN, MI 48089-4708
Document Number	0000049989
Book / Page	25336 / 889
Map Reference	LB 32 PG 35
Instrument Date	Apr 18, 2018
Instrument	8049989
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$963.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31204 REGAL DR, 31204, WARREN, MI 48088-7335

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24345 COTTAGE LN, WARREN, MI 48089-4708

Mortgage

Document Number	0000049990
Date	May 1, 2018
Instrument	8049990

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 24345 Cottage Ln was $2,674 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	Warren City
Unified School District	Eastpointe Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$82,990	$165,980
2025	$2,674.00
2023		$68,800	$137,600
2022	$2,356.00

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

Flood

FEMA maps place 24345 Cottage Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 4, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 24345 Cottage Ln 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 WARREN serves 134,056 people · EPA ID MI0006900
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Feb 2025
Lead	3 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 807 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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