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45394 Torch Lake Dr, Macomb, MI 48044 Property Records

Macomb County property record for 45394 Torch Lake Dr, Macomb, MI 48044

Property Summary

Property TypeSingle Family Home
Details2 ba · 3,145 sqft · built 2005
Lot Size0.193 acres (8,407 sqft)
Owner2 Individual Names on Record
Last Sale$520,000 (Mar 2026)
Tax Bill$11,881 (2025)
Deeds & MortgagesAug 2022 Mortgage
Mar 2026 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN20-08-33-330-029

Property Details

APN / Parcel Number

Primary APN20-08-33-330-029
Alternative APN
  • 0833330029

Interior

Full Baths2 Baths
Half Baths2 Half Baths
Stories2 Stories
Building Area3,145 sqft Living Area
1st Floor Area1,669 sqft
Basement Area1,669 sqft
Unfinished Basement1,669 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2006
Lot Area8,407 sqft (0.193 acres)
Lot Dimensions120 ft deep x 70 ft wide
Garage Area604 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address45394 TORCH LAKE DR
CityMACOMB
StateMI
Zip48044-4244
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionTWIN RIVER SUB NO. 1 LOT 74 LIBER : 157 PGS : 46-54
Legal SubdivisionTWIN RIVER SUB
Legal Lot Number74
JurisdictionMACOMB MI
Township / Civil DivisionMACOMB
Census Block Group1
Census Block1005
Census Tract224201

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 Record2 Individual Names on Record
Mailing Address7260 KINGSBURY ST, DEARBORN HEIGHTS, MI 48127-1754
Owner TypeIndividual
VestingUnmarried Man

Deeds, Mortgages & Sale History

DateDocument
Aug 31, 2022Deed of Trust, Mortgage · Conventional Mortgage
BETTER MORTGAGE CORPORATION
Mar 16, 2026Warranty Deed, Transfer · Conventional Mortgage
SUCCESS MORTGAGE PARTNERS INC
Jul 10, 2026Quit Claim Deed, Transfer
VANGUARD TITLE COMPANY, VANGUARD TITLE
Jun 2, 2021Deed, Transfer
PREMIUM TITLE SERVICES FL INC, PREMIUM TITLE SERVICES INC
Nov 5, 2018Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 16, 2026 · Amount on Record
Deed SaleMar 16, 2026 · Amount on Record
Prior SaleJun 2, 2021 · Amount on Record
Deed Document Number202621963
Deed Book / Page30562 / 464
Prior Transfer DateOct 26, 2018
Prior Transfer Doc0000122657
Record UpdatedOct 29, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMACOMB MI
Property Address45394 TORCH LAKE DR, MACOMB, MI 48044-4244
Transaction TypeMortgage
Record UpdatedMar 26, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address1303 GOLDENEYE LN, LAKE ORION, MI 48360-2532

Mortgage

Document Number2200103414
DateAug 31, 2022
Book Page28790/186
Instrument202200103414
Lender
NameBETTER MORTGAGE CORPORATION
TypeMortgage Company
AddressNEW YORK, NY 10007
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

March 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMACOMB MI
Recording DateMar 16, 2026
Property Address45394 TORCH LAKE DR, MACOMB, MI 48044-4244
Document Number2600021963
Book / Page30562 / 464
Map ReferenceLB 157 PG 46
Instrument DateMar 6, 2026
Instrument202600021963
Transaction TypeTransfer
Record UpdatedMar 26, 2026
Title CompanyVANGUARD TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,900.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1303 GOLDENEYE LN, LAKE ORION, MI 48360-2532

Transferred To (Grantee/Buyer)

NameVerified Name
Address7260 KINGSBURY ST, DEARBORN HEIGHTS, MI 48127-1754

Mortgage

Document Number0000562467
DateMar 16, 2026
Instrument30562/467
Lender
NameSUCCESS MORTGAGE PARTNERS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2056

July 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMACOMB MI
Recording DateJul 10, 2026
Property Address45394 TORCH LAKE DR, MACOMB, MI 48044-4244
Document Number0000065785
Book / Page30755 / 344
Instrument DateMar 6, 2026
Instrument202665785
Transaction TypeTransfer
Record UpdatedAug 31, 2026
Title CompanyVANGUARD TITLE COMPANY, VANGUARD TITLE

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address45394 TORCH LAKE DR, MACOMB, MI 48044-4244

June 2021: Deed, Transfer

Document TypeDeed
JurisdictionMACOMB MI
Recording DateJun 2, 2021
Property Address45394 TORCH LAKE DR, MACOMB, MI 48044-4244
Document Number2102190338
Book / Page27753 / 722
Map ReferenceLB 157 PG 46-54
Instrument DateApr 20, 2021
Instrument202102190338
Transaction TypeTransfer
Record UpdatedAug 12, 2022
Title CompanyPREMIUM TITLE SERVICES FL INC, PREMIUM TITLE SERVICES INC

Transaction

AmountAmount Recorded
Tax$3,048.70
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1 MORTGAGE WAY, 1, MOUNT LAUREL, NJ 08054-4637

Transferred To (Grantee/Buyer)

NameVerified Name
Address1303 GOLDENEYE LN, LAKE ORION, MI 48360-2532

November 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionMACOMB MI
Recording DateNov 5, 2018
Property Address45394 TORCH LAKE DR, MACOMB, MI 48044-4244
Document Number0000122657
Book / Page025667 / 000203
Instrument DateOct 26, 2018
Instrument122657
Transaction TypeForeclosure
Record UpdatedFeb 1, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$2,670.10
Amount AccuracyConfirmed
Additional
  • Notice of Trustee Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12650 INGENUITY DR ORLANDO FL 328262703, ORLANDO, FL 32826-2703

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyMacomb County
County SubdivisionMacomb Township
Unified School DistrictChippewa Valley Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$286,700 (+4.64%)$573,400 (+4.64%)
2025$11,881.00 (+13.33%)$274,000 (+17.29%)$548,000 (+17.29%)
2023$233,600$467,200
2022$10,484.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 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 RiskLow
lower than 96% of the US · lower than 91% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemMACOMB TOWNSHIP
serves 90,000 people · EPA ID MI0003990
Water SourcePurchased surface water from GREAT LAKES WATER AUTHORITY
Last State InspectionJan 2025
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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

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