28000 Cotton Rd, Chesterfield (New Baltimore), MI 48047 Property Records

Macomb County property record for 28000 Cotton Rd, Chesterfield, MI 48047

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,538 sqft · built 1939
Lot Size	0.88 acres (38,333 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Mar 2025)
Tax Bill	$2,844 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-09-20-451-002`

Property Details

APN / Parcel Number

Primary APN	`15-09-20-451-002`
Alternative APN	`0920451002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,538 sqft Living Area
1st Floor Area	1,031 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1959
Architectural Style	Ranch
Construction Type	Brick
Foundation Type	Raised
Lot Area	38,333 sqft (0.88 acres)
Lot Dimensions	365 ft deep x 105 ft wide
Garage Area	779 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	28000 COTTON RD
City	CHESTERFIELD
State	MI
Zip	48047-4805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B RES
Legal Description	T3N,R14E P.C. 145 COMM AT INTER OF W LINE P.C. 145 & CEN OF COTTON RD; TH S8245'E 548.8 FT; TH S3716'E 329 FT; TH S3453'W 52.35 FT TO SW R/W LINE OF COTTON RD RELOCATION & TO PT OF BEG; TH S3716'E 105.05 FT ALG SW R/W LINE COTTON RD RELOCATION; T
Legal Range	14E
Legal Township	03N
Legal Section	37
Jurisdiction	MACOMB MI
Township / Civil Division	CHESTERFIELD
Census Block Group	2
Census Block	2003
Census Tract	268200

Owner

28000 Cotton Rd is owned and occupied by an individual who bought it in March 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1568 OAKRIDGE DR, ROCHESTER HILLS, MI 48307-2950
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2025 · Amount on File
Deed Sale	Mar 25, 2025 · Amount on File
Prior Sale	Nov 18, 2014 · Amount on File
Deed Document Number	202522507
Deed Book / Page	30014 / 776
Prior Transfer Date	Dec 31, 2015
Prior Transfer Doc	0000135225
Record Updated	Oct 29, 2026

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MACOMB MI
Recording Date	Mar 5, 2020
Property Address	28000 COTTON RD, CHESTERFIELD, MI 48047-4805
Document Number	0000026770
Book / Page	026553 / 000533
Instrument Date	Jan 31, 2020
Instrument	26770
Transaction Type	Transfer
Record Updated	Mar 26, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5907 SEASHORE DR #B NEWPORT BEACH CA 926632001, B, NEWPORT BEACH, CA 92663-2001

Mortgage

Document Number	26771
Date	Mar 5, 2020
Book Page	026553/000536
Instrument	26771

Lender

Name	LIMA ONE CAP
Type	Funding / Finance Company
Address	GREENVILLE, SC 29601

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 28000 Cotton Rd was $2,844 with a homeowner's exemption.

Source: Macomb County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
County Subdivision	Chesterfield Township
Unified School District	L'Anse Creuse Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$120,400	$240,800
2025	$2,844.00
2023		$101,700	$203,400
2022	$3,696.00

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 28000 Cotton Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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
Nearby Flood Claims	1 (1982)
Most Recent Claim	Mar 1982 · rainfall accumulation

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 28000 Cotton Rd 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	CHESTERFIELD TOWNSHIP serves 41,650 people · EPA ID MI0001390
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Aug 2021
Lead	Under 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	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 341 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: T-Mobile, Verizon.

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