Macomb County property record for 45284 Spagnuolo Rd, Macomb, MI 48044
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,228 sqft · built 1985 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | Individual Name on File |
| Last Sale | $345,000 (May 2026) |
| Tax Bill | $3,672 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-08-32-401-033 |
| Primary APN | 20-08-32-401-033 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,228 sqft Living Area |
| 1st Floor Area | 628 sqft |
| Basement Area | 583 sqft |
| Unfinished Basement | 583 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 10,193 sqft (0.234 acres) |
| Lot Dimensions | 120 ft deep x 85 ft wide |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 45284 SPAGNUOLO RD |
|---|---|
| City | MACOMB |
| State | MI |
| Zip | 48044-4524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | PLUM GROVE VILLAGE SUB NO 2 LOT 608 LIBER: 71 PAGES: 47-51 |
| Legal Subdivision | PLUM GROVE VILLAGE SUB |
| Legal Lot Number | 608 |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | MACOMB |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 224600 |
45284 Spagnuolo Rd is owned and occupied by an individual who bought it in May 2026.
Source: Macomb County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14631 LAKESIDE BLVD N, SHELBY TOWNSHIP, MI 48315-6150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 12, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| May 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 14, 2026 · Amount on File |
| Deed Sale | May 14, 2026 · Amount on File |
| Prior Sale | Aug 31, 2016 · Amount on File |
| Deed Document Number | 202646514 |
| Deed Book / Page | 30662 / 921 |
| Prior Transfer Date | Oct 24, 2024 |
| Prior Transfer Doc | 0000088175 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 45284 SPAGNUOLO RD, MACOMB, MI 48044-4524 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2026 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 45284 SPAGNUOLO RD, MACOMB, MI 48044-4524 |
| Document Number | 2102270108 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 28192/351 |
| Instrument | 202102270108 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Oct 11, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | May 14, 2026 |
| Property Address | 45284 SPAGNUOLO RD, MACOMB, MI 48044-4524 |
| Document Number | 0000046514 |
| Book / Page | 30662 / 921 |
| Instrument Date | May 8, 2026 |
| Instrument | 2026.46514 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | ALLIANCE TITLE, ALLEGIANCE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $299,667.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000046095, |
|---|---|
| Date | May 14, 2026 |
| Instrument | 2026..46095 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 45284 Spagnuolo Rd was $3,672 with a homeowner's exemption.
Source: Macomb County assessment roll, as of October 19, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Macomb County |
| County Subdivision | Macomb Township |
| Unified School District | Chippewa Valley Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $142,300 (+3.49%) | $284,600 (+3.49%) | |
| 2025 | $3,672.00 Homeowner's exemption | $137,500 | $275,000 |
| 2023 | $121,900 | $243,800 | |
| 2022 | $3,245.00 |
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.
FEMA maps place 45284 Spagnuolo Rd in Zone X, an area of minimal flood risk.
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 |
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.
The area around 45284 Spagnuolo Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MACOMB TOWNSHIP serves 90,000 people · EPA ID MI0003990 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 580 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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