3646 Tracy Dr, Sterling Heights, MI 48310 Property Records

Macomb County property record for 3646 Tracy Dr, Sterling Heights, MI 48310

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,661 sqft · built 1975
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on Record
Last Sale	$268,000 (Mar 2023)
Tax Bill	$5,387 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-10-18-430-012`

Property Details

APN / Parcel Number

Primary APN	`10-10-18-430-012`
Alternative APN	`1018430012`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,661 sqft Living Area
1st Floor Area	1,011 sqft
Basement Area	650 sqft
Unfinished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3646 TRACY DR
City	STERLING HEIGHTS
State	MI
Zip	48310-2577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	M 198 $WESTHAMPTON SUB. LOT 198
Legal Subdivision	WESTHAMPTON SUB
Legal Lot Number	198
Jurisdiction	MACOMB MI
Township / Civil Division	STERLING HEIGHTS
Census Block Group	1
Census Block	1005
Census Tract	230700

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	Individual Name on Record
Mailing Address	3646 TRACY DR, STERLING HEIGHTS, MI 48310-2577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Warranty Deed, Transfer · Conventional Mortgage PAC FEDERAL CU
Mar 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2023 · Amount on Record
Deed Sale	Mar 10, 2023 · Amount on Record
Prior Sale	Jun 13, 1997 · Amount on Record
Deed Document Number	202318710
Deed Book / Page	29036 / 209
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Mar 10, 2023
Property Address	3646 TRACY DR, STERLING HEIGHTS, MI 48310-2577
Document Number	2300018710
Book / Page	29036 / 209
Map Reference	LB 65 PG 25-29
Instrument Date	Feb 28, 2023
Instrument	202300018710
Transaction Type	Transfer
Record Updated	Mar 27, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,010.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	62880 HILLCREST DR, WASHINGTON TOWNSHIP, MI 48094-1338

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3646 TRACY DR, STERLING HEIGHTS, MI 48310-2577

Mortgage

Document Number	2300015591
Date	Mar 1, 2023
Book Page	29022/657
Instrument	202300015591

Lender

Name	PAC FEDERAL CU
Type	Credit Union
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Index	1-Year T-Bill
Margin	3

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	3646 TRACY DR, STERLING HEIGHTS, MI 48310-2577
Transaction Type	Mortgage
Record Updated	Mar 18, 2022
Title Company	LIBERTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	62880 HILLCREST DR, WASHINGTON, MI 48094-1338

Mortgage

Document Number	2200028522
Date	Mar 2, 2022
Book Page	28463/520
Instrument	202200028522

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
Municipality	Sterling Heights City
Unified School District	Utica Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$160,300 (+33.47%)	$320,600 (+33.47%)
2025	$5,387.00 (+45.52%)
2023		$120,100	$240,200
2022	$3,702.00

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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 STERLING HEIGHTS serves 127,000 people · EPA ID MI0006385
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Jan 2022
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 571 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 Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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