32530 Heisner, Fraser, MI 48026 Property Records

Macomb County property record for 32530 Heisner, Fraser, MI 48026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,226 sqft · built 2000
Lot Size	0.262 acres (11,413 sqft)
Owner	2 Individual Names on Record
Last Sale	$311,000 (Oct 2025)
Tax Bill	$2,780 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-14-05-130-023`

Property Details

APN / Parcel Number

Primary APN	`03-14-05-130-023`
Alternative APN	`1405130023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,226 sqft Living Area
1st Floor Area	1,198 sqft
Basement Area	1,198 sqft
Unfinished Basement	1,198 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	11,413 sqft (0.262 acres)
Lot Dimensions	150 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	32530 HEISNER
City	FRASER
State	MI
Zip	48026-2204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	GARFIELD PARK SUBDIVISION LOT 221 AND THE N. 20 FT OF LOT 149 AND THE S 16 FT OF LOT 222. L11 P25. CITY OF FRASER
Legal Subdivision	GARFIELD PARK SUBDIVISION
Legal Lot Number	149,221
Jurisdiction	MACOMB MI
Township / Civil Division	FRASER
Census Block Group	3
Census Block	3001
Census Tract	254500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	32530 HEISNER, FRASER, MI 48026-2204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2025	Deed of Trust, Mortgage · Line of Credit CHRISTIAN FINANCIAL CU
Oct 28, 2025	Deed of Trust, Mortgage · FHA Mortgage ROSS MORTGAGE CORP
Oct 31, 2025	Warranty Deed, Transfer · FHA Mortgage ROSS MORTGAGE CORP
Nov 13, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on Record
Deed Sale	Oct 31, 2025 · Amount on Record
Prior Sale	Jul 12, 2001 · Amount on Record
Deed Document Number	202598104
Deed Book / Page	30367 / 744
Prior Transfer Date	Nov 7, 2023
Prior Transfer Doc	0000095536
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	32530 HEISNER, FRASER, MI 48026-2204
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32530 HEISNER, FRASER, MI 48026-2204

Mortgage

Document Number	2500033942
Date	Apr 16, 2025
Book Page	30051/625
Instrument	202500033942

Lender

Name	CHRISTIAN FINANCIAL CU
Type	Credit Union
Address	STERLING HEIGHTS, MI 48312

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	32530 HEISNER, FRASER, MI 48026-2204
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24211 COTTRELL ST, CLINTON TOWNSHIP, MI 48035-3819

Mortgage

Document Number	2500096600
Date	Oct 28, 2025
Book Page	30359/212
Instrument	202500096600

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Oct 31, 2025
Property Address	32530 HEISNER, FRASER, MI 48026-2204
Document Number	2500098104
Book / Page	30367 / 744
Map Reference	LB 11 PG 25
Instrument Date	Oct 20, 2025
Instrument	202500098104
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	VISIONARY TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,332.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32530 HEISNER, FRASER, MI 48026-2204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32530 HEISNER, FRASER, MI 48026-2204

Mortgage

Document Number	0000359212
Date	Oct 31, 2025
Instrument	30359/212

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACOMB MI
Recording Date	Nov 13, 2023
Property Address	32530 HEISNER, FRASER, MI 48026-2204
Document Number	2300095536
Book / Page	29375 / 133
Map Reference	LB 11 PG 25
Instrument Date	Nov 7, 2023
Instrument	202300095536
Transaction Type	Transfer
Record Updated	Nov 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32530 HEISNER, FRASER, MI 48026-2204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32530 HEISNER, FRASER, MI 48026-2204

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		$126,600 (+1.69%)	$253,200 (+1.69%)
2025	$2,780.00 (+2.73%) Homeowner's exemption	$124,500 (+17.23%)	$249,000 (+17.23%)
2024	$2,706.00 (+11.08%)
2023		$106,200	$212,400
2022	$2,436.00

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 · 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	1 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2013 · 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

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	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 213 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
AT&T Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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