31693 Cindy, Fraser, MI 48026 Property Records

Macomb County property record for 31693 Cindy, Fraser, MI 48026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,126 sqft · built 1978
Lot Size	0.184 acres (8,015 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jul 2026)
Tax Bill	$2,934 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-14-06-328-010`

Property Details

APN / Parcel Number

Primary APN	`03-14-06-328-010`
Alternative APN	`1406328010`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,126 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,015 sqft (0.184 acres)
Lot Dimensions	107 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	31693 CINDY
City	FRASER
State	MI
Zip	48026-2620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	EMERALD ESTATES SUBDIVISION LOT 36. L68 PP29-30. CITY OF FRASER
Legal Range	13E
Legal Township	01N
Legal Section	06
Legal Subdivision	EMERALD ESTATES SUBDIVISION
Legal Lot Number	36
Jurisdiction	MACOMB MI
Township / Civil Division	FRASER
Census Block Group	3
Census Block	3002
Census Tract	254200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	31693 CINDY, FRASER, MI 48026-2620
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2026 · Amount on Record
Deed Sale	Jul 14, 2026 · Amount on Record
Prior Sale	Jun 29, 2000 · Amount on Record
Deed Document Number	202666565
Deed Book / Page	30758 / 426
Prior Transfer Date	Dec 17, 2024
Prior Transfer Doc	0000104466
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jul 14, 2026
Property Address	31693 CINDY, FRASER, MI 48026-2620
Document Number	0000066565
Book / Page	30758 / 426
Instrument Date	Jun 23, 2026
Instrument	202666565
Transaction Type	Transfer
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243,208.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31693 CINDY, FRASER, MI 48026-2620

Mortgage

Document Number	0000066567,
Date	Jul 14, 2026
Instrument	202666567

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	31693 CINDY, FRASER, MI 48026-2620
Transaction Type	Mortgage
Record Updated	Mar 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31693 CINDY, FRASER, MI 48026-2620

Mortgage

Document Number	2200030122
Date	Mar 7, 2022
Book Page	28471/386
Instrument	202200030122

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
Municipality	Fraser City
Unified School District	Fraser Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$124,900 (+4.78%)	$249,800 (+4.78%)
2025	$2,934.00 (+14.12%) Homeowner's exemption	$119,200 (+18.96%)	$238,400 (+18.96%)
2023		$100,200	$200,400
2022	$2,571.00

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

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 FRASER serves 14,297 people · EPA ID MI0002460
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Nov 2025
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	4 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 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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