39981 Memory Ln, Harrison Township, MI 48045 Property Records

Macomb County property record for 39981 Memory Ln, Harrison Township, MI 48045

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,474 sqft · built 1970
Lot Size	0.331 acres (14,418 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Sep 2016)
Tax Bill	$6,009 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-12-17-177-002`

Property Details

APN / Parcel Number

Primary APN	`17-12-17-177-002`
Alternative APN	`1217177002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,474 sqft Living Area
1st Floor Area	1,522 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Brick
Lot Area	14,418 sqft (0.331 acres)
Lot Dimensions	190 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	1,424 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	39981 MEMORY LN
City	HARRISON TOWNSHIP
State	MI
Zip	48045-1765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-B
Legal Description	HARRISON CLINTON RIVER HOMES PART OF LOTS 9 & 10 DESC;AS COMM AT THE SELY COR OF LOT 10 ;TH N01*05'10''W 153.38 FT TO PT
Legal Subdivision	HARRISON CLINTON RIVER HOMES SUB
Legal Lot Number	9-10
Jurisdiction	MACOMB MI
Township / Civil Division	HARRISON
Census Block Group	2
Census Block	2005
Census Tract	247202

Owner

39981 Memory Ln is owned and occupied by two individuals who bought it in September 2016.

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 File
Mailing Address	39981 MEMORY LN, HARRISON TOWNSHIP, MI 48045-1765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Line of Credit FREESTAR FINANCIAL CREDIT UNION
Jul 7, 2023	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Dec 1, 2020	Deed of Trust, Mortgage · VA Mortgage MICHIGAN FIRST CU
Sep 27, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Nov 30, 2018	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2016 · Amount on File
Deed Sale	Sep 19, 2016 · Amount on File
Prior Sale	Sep 26, 2001 · Amount on File
Deed Document Number	20166110184
Deed Book / Page	24268 / 303
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Recording Date	Apr 2, 2026
Property Address	39981 MEMORY LN, HARRISON TOWNSHIP, MI 48045-1765
Document Number	2600032048
Book / Page	30596 / 19
Instrument Date	Mar 14, 2026
Instrument	202632048
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	VANGUARD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39981 MEMORY LN, HARRISON TOWNSHIP, MI 48045-1765

Mortgage

Document Number	0000032048,
Date	Apr 2, 2026
Book Page	30596/19
Instrument	202632048

Lender

Name	FREESTAR FINANCIAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.09%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	39981 MEMORY LN, HARRISON TOWNSHIP, MI 48045-1765
Transaction Type	Mortgage
Record Updated	Jul 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39981 MEMORY LN, HARRISON TOWNSHIP, MI 48045-1765

Mortgage

Document Number	2300058633
Date	Jul 7, 2023
Book Page	29201/547
Instrument	202300058633

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 28, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	39981 MEMORY LN, HARRISON TOWNSHIP, MI 48045-1765
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39981 MEMORY LN, HARRISON TOWNSHIP, MI 48045-1765

Mortgage

Document Number	0000147357
Date	Dec 1, 2020
Book Page	27204/723
Instrument	2147357

Lender

Name	MICHIGAN FIRST CU
Type	Credit Union
Address	SOUTHFIELD, MI 48076

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	39981 MEMORY LN, HARRISON TOWNSHIP, MI 48045-1765
Document Number	0000117009
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39981 MEMORY LN HARRISON TOWNSHIP MI 480451765, HARRISON TOWNSHIP, MI 48045-1765

Mortgage

Document Number	0000117009
Date	Oct 16, 2019
Book Page	026267/000486
Instrument	117009

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	39981 MEMORY LN, HARRISON TOWNSHIP, MI 48045-1765
Document Number	0000133133
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Dec 21, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39981 MEMORY LN HARRISON TOWNSHIP MI 480451765, HARRISON TOWNSHIP, MI 48045-1765

Mortgage

Document Number	0000133133
Date	Dec 6, 2018
Book Page	025714/000646
Instrument	133133

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 39981 Memory Ln was $6,009 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	Harrison Charter Township
Unified School District	L'Anse Creuse Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$241,500 (+2.16%)	$483,000 (+2.16%)
2025	$6,009.00 Homeowner's exemption	$236,400	$472,800
2023		$182,000	$364,000
2022	$5,285.00

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

Flood

FEMA maps place 39981 Memory Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 39981 Memory Ln is low, with less than 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 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	HARRISON TOWNSHIP serves 24,314 people · EPA ID MI0003040
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Oct 2021
Lead	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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

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