45480 Keding St, Utica, MI 48317 Property Records

Macomb County property record for 45480 Keding St, Utica, MI 48317

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,354 sqft · built 1972
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Mar 2026)
Tax Bill	$3,417 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-07-34-428-017`

Property Details

APN / Parcel Number

Primary APN	`11-07-34-428-017`
Alternative APN	`0734428017`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,354 sqft Living Area
1st Floor Area	1,354 sqft
Basement Area	1,134 sqft
Unfinished Basement	1,134 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	120 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	45480 KEDING ST
City	UTICA
State	MI
Zip	48317-6051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	NORMANDY SUB. NO. 2 LOT 59
Legal Subdivision	NORMANDY SUB
Legal Lot Number	59
Jurisdiction	MACOMB MI
Township / Civil Division	UTICA
Census Block Group	3
Census Block	3005
Census Tract	228000

Owner

45480 Keding St is owned by two individuals who bought it in March 2026.

Source: Macomb County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	19944 TOWNSEND DR, MACOMB, MI 48044-5937
Owner Type	Individual
Vesting	Single Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage THE LOAN STORE INC
Mar 11, 2026	Warranty Deed, Transfer · Conventional Mortgage GENISYS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2026 · Amount on File
Deed Sale	Mar 11, 2026 · Amount on File
Prior Sale	Mar 20, 2025 · Amount on File
Deed Document Number	202620680
Deed Book / Page	30555 / 437
Prior Transfer Date	Nov 1, 2016
Prior Transfer Doc	0000140699
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	45480 KEDING ST, UTICA, MI 48317-6051
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54318 BIRCHFIELD DR E, SHELBY TOWNSHIP, MI 48316-1328

Mortgage

Document Number	2500037464
Date	Apr 25, 2025
Book Page	30068/892
Instrument	202500037464

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2055

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Mar 11, 2026
Property Address	45480 KEDING ST, UTICA, MI 48317-6051
Document Number	2600020680
Book / Page	30555 / 437
Map Reference	LB 61 PG 25
Instrument Date	Mar 9, 2026
Instrument	202600020680
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	STERLING TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54318 BIRCHFIELD DR E, SHELBY TOWNSHIP, MI 48316-1328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19944 TOWNSEND DR, MACOMB, MI 48044-5937

Mortgage

Document Number	0000555439
Date	Mar 11, 2026
Instrument	30555/439

Lender

Name	GENISYS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.1%

Tax Assessment & Valuation

The 2025 property tax bill for 45480 Keding St was $3,417, up 4% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
Municipality	Utica City
Unified School District	Utica Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$144,800 (+5.39%)	$289,600 (+5.39%)
2025	$3,417.00 (+3.95%) Homeowner's exemption	$137,400	$274,800
2024	$3,287.00
2023		$118,700	$237,400
2022	$3,022.00

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

FEMA maps place 45480 Keding St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 4, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 45480 Keding St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF UTICA serves 5,059 people · EPA ID MI0006760
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Oct 2021
Lead	2 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	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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