Macomb County property record for 45422 Torch Lake Dr, Macomb, MI 48044
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,132 sqft · built 2013 |
| Lot Size | 0.193 acres (8,407 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $406,500 (Aug 2017) |
| Tax Bill | $9,009 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-08-33-330-030 |
| Primary APN | 20-08-33-330-030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 3,132 sqft Living Area |
| 1st Floor Area | 1,593 sqft |
| Basement Area | 1,593 sqft |
| Unfinished Basement | 1,593 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2014 |
| Lot Area | 8,407 sqft (0.193 acres) |
| Lot Dimensions | 120 ft deep x 70 ft wide |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 45422 TORCH LAKE DR |
|---|---|
| City | MACOMB |
| State | MI |
| Zip | 48044-4245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TWIN RIVER SUB NO. 1 LOT 75 LIBER : 157 PGS : 46-54 |
| Legal Subdivision | TWIN RIVER SUB |
| Legal Lot Number | 75 |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | MACOMB |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 224201 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45422 TORCH LAKE DR, MACOMB, MI 48044-4245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2022 | Deed of Trust, Mortgage · Line of Credit COMMUNITY FINANCIAL CU |
| Jun 17, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Aug 29, 2017 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2017 · Amount on Record |
| Deed Sale | Aug 29, 2017 · Amount on Record |
| Prior Sale | Jun 9, 2015 · Amount on Record |
| Deed Document Number | 20177105363 |
| Deed Book / Page | 24912 / 655 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 45422 TORCH LAKE DR, MACOMB, MI 48044-4245 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 45422 TORCH LAKE DR, MACOMB, MI 48044-4245 |
| Document Number | 2200137598 |
|---|---|
| Date | Dec 21, 2022 |
| Book Page | 28946/65 |
| Instrument | 202200137598 |
| Name | COMMUNITY FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | PLYMOUTH, MI 48170 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 20, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 45422 TORCH LAKE DR, MACOMB, MI 48044-4245 |
| Document Number | 0000071529 |
| Instrument Date | Jun 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45422 TORCH LAKE DR MACOMB MI 480444245, MACOMB, MI 48044-4245 |
| Document Number | 0000071529 |
|---|---|
| Date | Jun 23, 2020 |
| Book Page | 026789/000505 |
| Instrument | 71529 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 22, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Aug 29, 2017 |
| Property Address | 45422 TORCH LAKE DR, MACOMB, MI 48044-4245 |
| Document Number | 0000105363 |
| Book / Page | 024912 / 000655 |
| Instrument Date | Aug 25, 2017 |
| Instrument | 105363 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2017 |
| Title Company | MICHIGAN INV TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,495.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 39400 GARONY DR CLINTON TOWNSHIP MI 480382630, CLINTON TOWNSHIP, MI 48038-2630 |
| Document Number | 105102 |
|---|---|
| Date | Aug 29, 2017 |
| Book Page | 024911/000651 |
| Instrument | 105102 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 28, 2047 |
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 | $302,000 (+21.82%) | $604,000 (+21.82%) | |
| 2025 | $9,009.00 (+7.98%) | ||
| 2023 | $247,900 | $495,800 | |
| 2022 | $8,343.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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.
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.
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 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 |
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