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28164 Cotton Rd, Chesterfield (New Baltimore), MI 48047 Property Records

Macomb County property record for 28164 Cotton Rd, Chesterfield, MI 48047

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,185 sqft · built 2004
Lot Size0.327 acres (14,244 sqft)
OwnerIndividual Name on File
Last Sale$385,000 (Jul 2021)
Tax Bill$6,194 (2025)
Deeds & MortgagesJul 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-09-20-451-015

Property Details

APN / Parcel Number

Primary APN15-09-20-451-015
Alternative APN
  • 0920451015

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,185 sqft Living Area
1st Floor Area1,687 sqft
Basement Area1,687 sqft
Unfinished Basement1,687 sqft

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2005
Lot Area14,244 sqft (0.327 acres)
Lot Dimensions147 ft deep x 75 ft wide
Garage Area617 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address28164 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 1001.46 .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 009-020 451-009 11
Legal Range14E
Legal Township03N
Legal Section20
JurisdictionMACOMB MI
Township / Civil DivisionCHESTERFIELD
Census Block Group2
Census Block2003
Census Tract268200

Owner

28164 Cotton Rd is owned and occupied by an individual who bought it in July 2021.

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

Owner of RecordIndividual Name on File
Mailing Address28164 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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 21, 2021 · Amount on File
Deed SaleJul 21, 2021 · Amount on File
Prior SaleAug 1, 2005 · Amount on File
Deed Document Number20212213336
Deed Book / Page27880 / 141
Prior Transfer DateMar 18, 2010
Prior Transfer Doc0000031596
Record UpdatedOct 29, 2026

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMACOMB MI
Recording DateJul 21, 2021
Property Address28164 COTTON RD, CHESTERFIELD, MI 48047-6417
Document Number2102213336
Book / Page27880 / 141
Instrument DateJun 29, 2021
Instrument202102213336
Transaction TypeTransfer
Record UpdatedAug 12, 2022
Title CompanyBELL TITLE AGENCY/CHESTERFIELD, BELL TTL AGCY OF CHESTERFIEL

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,311.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address28164 COTTON RD, 28164, CHESTERFIELD, MI 48047-6417

Transferred To (Grantee/Buyer)

NameVerified Name
Address31930 S RIVER RD, HARRISON TOWNSHIP, MI 48045-1895

Mortgage

Document Number2102213337
DateJul 21, 2021
Instrument202102213337
Lender
NameCOMMUNITY FINANCIAL CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 28164 Cotton Rd was $6,194 with a homeowner's exemption.

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$240,900 (+0.84%)$481,800 (+0.84%)
2025$6,194.00 Homeowner's exemption$238,900$477,800
2023$184,200$368,400
2022$5,679.00

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 28164 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 28164 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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