45478 Torch Lake Dr, Macomb, MI 48044 Property Records

Macomb County property record for 45478 Torch Lake Dr, Macomb, MI 48044

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,906 sqft · built 2014
Lot Size	0.193 acres (8,407 sqft)
Owner	Individual Name on Record
Last Sale	$62,000 (Jul 2013)
Tax Bill	$5,070 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-08-33-330-032`

Property Details

APN / Parcel Number

Primary APN	`20-08-33-330-032`
Alternative APN	`0833330032`

Interior

Bedrooms	3 Beds
Building Area	1,906 sqft Living Area
1st Floor Area	1,872 sqft
Basement Area	1,872 sqft
Unfinished Basement	1,872 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Ranch
Lot Area	8,407 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45478 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 77 LIBER : 157 PGS : 46-54
Legal Subdivision	TWIN RIVER SUB
Legal Lot Number	77
Jurisdiction	MACOMB MI
Township / Civil Division	MACOMB
Census Block Group	1
Census Block	1005
Census Tract	224201

Owner

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	Individual Name on Record
Mailing Address	45478 TORCH LAKE DR, MACOMB, MI 48044-4245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2013 · Amount on Record
Deed Sale	Jul 2, 2013 · Amount on Record
Prior Sale	Mar 23, 2005 · Amount on Record
Deed Document Number	20133099398
Deed Book / Page	22234 / 724
Last Transfer Date	Nov 15, 2016
Transfer Doc	0000141689
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	45478 TORCH LAKE DR, MACOMB, MI 48044-4245
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45478 TORCH LAKE DR, MACOMB, MI 48044-4245

Mortgage

Document Number	0000140059
Date	Nov 13, 2020
Book Page	27155/590
Instrument	2140059

Lender

Name	PLATINUM HOME MORTGAGE CORP
Type	Mortgage Company
Address	ROLLING MEADOWS, IL 60008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of October 19, 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		$251,500 (+4.36%)	$503,000 (+4.36%)
2025	$5,070.00 (+13.12%) Homeowner's exemption	$241,000 (+14.76%)	$482,000 (+14.76%)
2023		$210,000	$420,000
2022	$4,482.00

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
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	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.

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