45366 Torch Lake Dr, Macomb, MI 48044 Property Records

Macomb County property record for 45366 Torch Lake Dr, Macomb, MI 48044

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,542 sqft · built 2012
Lot Size	0.193 acres (8,407 sqft)
Owner	Individual Name on Record
Last Sale	$309,000 (Jul 2014)
Tax Bill	$5,705 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-08-33-330-028`

Property Details

APN / Parcel Number

Primary APN	`20-08-33-330-028`
Alternative APN	`0833330028`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,542 sqft Living Area
1st Floor Area	1,272 sqft
Basement Area	1,272 sqft
Unfinished Basement	1,272 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2013
Lot Area	8,407 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Area	666 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45366 TORCH LAKE DR
City	MACOMB
State	MI
Zip	48044-4244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TWIN RIVER SUB NO. 1 LOT 73 LIBER : 157 PGS : 46-54
Legal Subdivision	TWIN RIVER SUB
Legal Lot Number	73
Jurisdiction	MACOMB MI
Township / Civil Division	MACOMB
Census Block Group	1
Census Block	1005
Census Tract	224201

Owner

Source: Macomb County records, as of July 6, 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	45366 TORCH LAKE DR, MACOMB, MI 48044-4244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2014 · Amount on Record
Deed Sale	Jul 8, 2014 · Amount on Record
Prior Sale	Jul 8, 2014 · Amount on Record
Deed Document Number	20144081914
Deed Book / Page	22901 / 220
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	45366 TORCH LAKE DR, MACOMB, MI 48044-4244
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45366 TORCH LAKE DR, MACOMB, MI 48044-4244

Mortgage

Document Number	0000114354
Date	Sep 23, 2020
Book Page	27015/477
Instrument	2114354

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
County Subdivision	Macomb Township
Unified School District	Chippewa Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$277,200 (+29.29%)	$554,400 (+29.29%)
2025	$5,705.00 (+13.13%)
2023		$214,400	$428,800
2022	$5,043.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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	Low lower than 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20