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28152 Cotton Rd, Chesterfield (New Baltimore), MI 48047 Property Records

Macomb County property record for 28152 Cotton Rd, Chesterfield, MI 48047

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,390 sqft · built 2005
Lot Size0.327 acres (14,244 sqft)
OwnerIndividual Name on File
Last Sale$303,000 (Aug 2017)
Tax Bill$56 (2024)
Deeds & MortgagesFeb 2026 Mortgage
Aug 2017 Sale
Flood ZoneZone X (minimal risk)
APN15-09-20-451-014

Property Details

APN / Parcel Number

Primary APN15-09-20-451-014
Alternative APN
  • 0920451014

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths2 Half Baths
Stories1 Story
Building Area2,390 sqft Living Area
1st Floor Area1,220 sqft
Basement Area1,220 sqft
Unfinished Basement1,220 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2006
Lot Area14,244 sqft (0.327 acres)
Lot Dimensions147 ft deep x 75 ft wide
Garage Area654 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address28152 COTTON RD
CityCHESTERFIELD
StateMI
Zip48047-6417
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1B RES
Legal DescriptionT3N, R14E, SEC 20, COMM AT WLY LINE OF PC 145 & C/L OF COTTONE RD, TH S82*45'E 548.80 FT, TH S37*16E 926.46 FT TO POB; TH S37*16'E 75.0 FT, TH S52*45'W 190.0 FT, TH N 37*16'W 75.0 FT, TH N52*44'E 190.0 FT TO POB; .327 AC. FROM 009-020 451-008 11/14/0
Legal Range14E
Legal Township03N
Legal Section20
JurisdictionMACOMB MI
Township / Civil DivisionCHESTERFIELD
Census Block Group2
Census Block2003
Census Tract268200

Owner

28152 Cotton Rd is owned and occupied by an individual who bought it in August 2017.

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

Owner of RecordIndividual Name on File
Mailing Address28152 COTTON RD, CHESTERFIELD, MI 48047-6417
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Feb 24, 2026Deed of Trust, Mortgage · VA Mortgage
TOP FLITE FINANCIAL INC
Aug 17, 2017Warranty Deed, Transfer
TITLE CONNECT LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 17, 2017 · Amount on File
Deed SaleAug 17, 2017 · Amount on File
Prior SaleJan 4, 2016 · Amount on File
Deed Document Number20177100985
Deed Book / Page24891 / 523
Prior Transfer DateApr 22, 2005
Prior Transfer Doc0000078685
Record UpdatedOct 29, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMACOMB MI
Property Address28152 COTTON RD, CHESTERFIELD, MI 48047-6417
Transaction TypeMortgage
Record UpdatedMar 6, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address28152 COTTON RD, CHESTERFIELD, MI 48047-6417

Mortgage

Document Number2600015684
DateFeb 24, 2026
Book Page30529/68
Instrument202600015684
Lender
NameTOP FLITE FINANCIAL INC
TypeMortgage Company
AddressWILLIAMSTON, MI 48895
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2056

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMACOMB MI
Recording DateAug 17, 2017
Property Address28152 COTTON RD, CHESTERFIELD, MI 48047-6417
Document Number0000100985
Book / Page24891 / 523
Instrument DateAug 7, 2017
Instrument7100985
Transaction TypeTransfer
Record UpdatedMay 31, 2021
Title CompanyTITLE CONNECT LLC

Transaction

AmountAmount on Record
Tax$2,605.80
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address28152 COTTON RD, 28152, CHESTERFIELD, MI 48047-6417

Transferred To (Grantee/Buyer)

NameVerified Name
Address28152 COTTON RD, CHESTERFIELD, MI 48047-6417

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyMacomb County
County SubdivisionChesterfield Township
Unified School DistrictL'Anse Creuse Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$247,700 (-0.88%)$495,400 (-0.88%)
2025Homeowner's exemption$249,900$499,800
2024$56.00
2022$250.00

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

Flood

FEMA maps place 28152 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims1 (1982)
Most Recent ClaimMar 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 28152 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 RiskNot 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 SystemCHESTERFIELD TOWNSHIP
serves 41,650 people · EPA ID MI0001390
Water SourcePurchased surface water from GREAT LAKES WATER AUTHORITY
Last State InspectionAug 2021
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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