28176 Cotton Rd, Chesterfield (New Baltimore), MI 48047 Property Records

Macomb County property record for 28176 Cotton Rd, Chesterfield, MI 48047

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,839 sqft · built 2004
Lot Size	0.327 acres (14,244 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jun 2025)
Tax Bill	$6,140 (2025)
Deeds & Mortgages	Mar 2026 Transfer Nov 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-09-20-451-016`

Property Details

APN / Parcel Number

Primary APN	`15-09-20-451-016`
Alternative APN	`0920451016`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,839 sqft Living Area
1st Floor Area	1,807 sqft
Basement Area	1,807 sqft
Unfinished Basement	1,807 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Architectural Style	Ranch
Lot Area	14,244 sqft (0.327 acres)
Lot Dimensions	147 ft deep x 75 ft wide
Garage Area	828 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	28176 COTTON RD
City	CHESTERFIELD
State	MI
Zip	48047-6417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B RES
Legal Description	T3N, R14E, SEC 20, COMM AT WLY LINE OF PC 145 & C/L OF COTTON RD, TH S8245'E 548.80 FT, TH S3716E 1076.46 FT TO POB; TH S3716'E 75.0 FT, TH S5245'W 190.0 FT, TH N 3716'W 75.0 FT, TH N5244'E 190.0 FT TO POB; .327 AC. FROM 009-020 451-009 11/14/0
Legal Range	14E
Legal Township	03N
Legal Section	20
Jurisdiction	MACOMB MI
Township / Civil Division	CHESTERFIELD
Census Block Group	2
Census Block	2003
Census Tract	268200

Owner

28176 Cotton Rd is owned and occupied by two individuals who acquired it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	28176 COTTON RD, CHESTERFIELD, MI 48047-6417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Mar 12, 2026	Intrafamily Transfer, Transfer
Nov 2, 2021	Warranty Deed, Transfer
Oct 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HALL FINANCIAL GROUP
Apr 23, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 6, 2020	Warranty Deed, Transfer LIBERTY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2025 · Amount on File
Deed Sale	Jun 10, 2025 · Amount on File
Prior Sale	Nov 2, 2021 · Amount on File
Deed Document Number	202552151
Deed Book / Page	30136 / 936
Last Transfer Date	Mar 9, 2026
Transfer Doc	2600021240
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACOMB MI
Recording Date	Mar 12, 2026
Property Address	28176 COTTON RD, CHESTERFIELD, MI 48047-6417
Document Number	2600021240
Book / Page	30558 / 505
Instrument Date	Mar 9, 2026
Instrument	202600021240
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28176 COTTON RD, CHESTERFIELD, MI 48047-6417

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	28176 COTTON RD, CHESTERFIELD, MI 48047-6417

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Nov 2, 2021
Property Address	28176 COTTON RD, CHESTERFIELD, MI 48047-6417
Document Number	2102265512
Book / Page	28168 / 97
Instrument Date	Sep 17, 2021
Instrument	202102265512
Transaction Type	Transfer
Record Updated	Nov 18, 2021

Transaction

Amount	Amount on Record
Tax	$2,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28176 COTTON RD, 28176, CHESTERFIELD, MI 48047-6417

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28176 COTTON RD, CHESTERFIELD, MI 48047-6417

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACOMB MI
Recording Date	Oct 13, 2021
Property Address	28176 COTTON RD, CHESTERFIELD, MI 48047-6417
Document Number	2102250568
Book / Page	28081 / 613
Instrument Date	Sep 17, 2021
Instrument	202102250568
Transaction Type	Transfer
Record Updated	Oct 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28176 COTTON RD, 28176, CHESTERFIELD, MI 48047-6417

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28176 COTTON RD, CHESTERFIELD, MI 48047-6417

Mortgage

Document Number	2102250569
Date	Oct 13, 2021
Instrument	202102250569

Lender

Name	HALL FINANCIAL GROUP
Type	Non-Lending Institution

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	28176 COTTON RD, CHESTERFIELD, MI 48047-6417
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046945
Date	Apr 23, 2018
Book Page	25324/562
Instrument	8046945

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Mar 6, 2020
Property Address	28176 COTTON RD, CHESTERFIELD, MI 48047-6417
Document Number	0000027212
Book / Page	026556 / 000480
Instrument Date	Feb 7, 2020
Instrument	27212
Transaction Type	Transfer
Record Updated	Mar 26, 2020
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Tax	$2,666.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	18977 ENGLAND DR MACOMB MI 480426234, MACOMB, MI 48042-6234

Tax Assessment & Valuation

The 2025 property tax bill for 28176 Cotton Rd was $6,140 with a homeowner's exemption, up 3.1% from the year before.

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		$228,600 (+17.17%)	$457,200 (+17.17%)
2025	$6,140.00 (+3.14%) Homeowner's exemption	$195,100	$390,200
2024	$5,953.00
2023		$176,800	$353,600
2022	$5,386.00

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 28176 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 28176 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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