321 Prospect St, Romeo, MI 48065 Property Records

Macomb County property record for 321 Prospect St, Romeo, MI 48065

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,698 sqft · built 1871
Lot Size	0.427 acres (18,600 sqft)
Owner	2 Individual Names on File
Last Sale	$93,120 (Sep 2011)
Tax Bill	$3,049 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27-01-35-302-019`

Property Details

APN / Parcel Number

Primary APN	`27-01-35-302-019`
Alternative APN	`0135302019`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,698 sqft Living Area
1st Floor Area	1,712 sqft
Basement Area	855 sqft
Unfinished Basement	855 sqft

Exterior

Year Built	Built 1871
Effective Year Built	Effective 1871
Exterior Material	Wood Siding
Lot Area	18,600 sqft (0.427 acres)
Lot Dimensions	188 ft deep x 99 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	321 PROSPECT ST
City	ROMEO
State	MI
Zip	48065-4643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 VLG CK
Legal Description	T5N R12E SEC 35 ASSESSORS PLAT NO 2 L.17 P.22 LOT 14 EXC THE W 150.0 FT VILLAGE OF ROMEO MANATRON #: 043-502-014-50 L17-P22
Legal Range	12E
Legal Township	05N
Legal Section	35
Legal Subdivision	VILLAGE
Legal Lot Number	14
Jurisdiction	MACOMB MI
Township / Civil Division	BRUCE
Census Block Group	2
Census Block	2024
Census Tract	206700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Romeo Historic District listed 1970 · 100 contributing resources · NRIS 70000281

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

321 Prospect St is owned and occupied by two individuals who bought it in September 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 PROSPECT ST, ROMEO, MI 48065-4643
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 19, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 21, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 11, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 21, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRI COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2011 · Amount on File
Deed Sale	Sep 23, 2011 · Amount on File
Prior Sale	Feb 14, 2011 · Amount on File
Deed Document Number	20111206169
Deed Book / Page	20909 / 766
Prior Transfer Date	Feb 4, 2011
Prior Transfer Doc	0000116546
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	321 PROSPECT ST, ROMEO, MI 48065-4643
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 PROSPECT ST, ROMEO, MI 48065-4643
Investor	Possibly a Property Investor

Mortgage

Document Number	2500103931
Date	Nov 19, 2025
Book Page	30396/281
Instrument	202500103931

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Nov 15, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	321 PROSPECT ST, ROMEO, MI 48065-4643
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 PROSPECT ST, ROMEO, MI 48065-4643
Investor	Possibly a Property Investor

Mortgage

Document Number	2500104980
Date	Nov 21, 2025
Book Page	30401/768
Instrument	202500104980

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Nov 15, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	321 PROSPECT ST, ROMEO, MI 48065-4643
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 PROSPECT ST, ROMEO, MI 48065-4643

Mortgage

Document Number	2200085330
Date	Jul 11, 2022
Book Page	28704/947
Instrument	202200085330

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jun 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	321 PROSPECT ST, ROMEO, MI 48065-4643
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000151366
Date	Dec 21, 2017
Book Page	25130/606
Instrument	7151366

Lender

Name	PNC BANK NA
Type	Bank
Address	ROMEO, MI 48065

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	321 PROSPECT ST, ROMEO, MI 48065-4643
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 PROSPECT ST, ROMEO, MI 48065-4643

Mortgage

Document Number	0000156049
Date	Dec 15, 2020
Book Page	27249/506
Instrument	2156049

Lender

Name	TRI COUNTY BANK
Type	Bank
Address	BROWN CITY, MI 48416

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 321 Prospect St was $3,049 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	Bruce Township
Municipality	Romeo Village
Unified School District	Romeo Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$229,400	$458,800
2025	$3,049.00
2023		$180,800	$361,600
2022	$2,617.00

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

Flood

FEMA maps place 321 Prospect St in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 321 Prospect St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	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	VILLAGE OF ROMEO serves 3,750 people · EPA ID MI0005780
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
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 323 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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