Macomb County property record for 45562 Torch Lake Dr, Macomb, MI 48044
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,130 sqft · built 2005 |
| Lot Size | 0.193 acres (8,407 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $264,900 (Apr 2005) |
| Tax Bill | $4,762 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-08-33-330-035 |
| Primary APN | 20-08-33-330-035 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 2,130 sqft Living Area |
| 1st Floor Area | 2,068 sqft |
| Basement Area | 2,068 sqft |
| Unfinished Basement | 2,068 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Lot Area | 8,407 sqft (0.193 acres) |
| Lot Dimensions | 120 ft deep x 70 ft wide |
| Garage Area | 574 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 45562 TORCH LAKE DR |
|---|---|
| City | MACOMB |
| State | MI |
| Zip | 48044-4246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TWIN RIVER SUB NO. 1 LOT 80 LIBER : 157 PGS : 46-54 |
| Legal Subdivision | TWIN RIVER SUB |
| Legal Lot Number | 80 |
| 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 | 45562 TORCH LAKE DR, MACOMB, MI 48044-4246 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Oct 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Apr 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Nov 17, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION ONE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2005 · Amount on Record |
| Deed Sale | Apr 15, 2005 · Amount on Record |
| Prior Sale | Apr 15, 2005 · Amount on Record |
| Deed Document Number | 20055067646 |
| Deed Book / Page | 16596 / 473 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 45562 TORCH LAKE DR, MACOMB, MI 48044-4246 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000117021 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 24970/246 |
| Instrument | 7117021 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 45562 TORCH LAKE DR, MACOMB, MI 48044-4246 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000121710 |
|---|---|
| Date | Oct 28, 2019 |
| Book Page | 26292/841 |
| Instrument | 9121710 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 45562 TORCH LAKE DR, MACOMB, MI 48044-4246 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 45562 TORCH LAKE DR, MACOMB, MI 48044-4246 |
| Document Number | 2102165031 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 27615/15 |
| Instrument | 202102165031 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 45562 TORCH LAKE DR, MACOMB, MI 48044-4246 |
| Document Number | 0000004609 |
| Instrument Date | Nov 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45562 TORCH LAKE DR MACOMB MI 480444246, MACOMB, MI 48044-4246 |
| Document Number | 0000004609 |
|---|---|
| Date | Jan 14, 2019 |
| Book Page | 025766/000703 |
| Instrument | 4609 |
| Name | CREDIT UNION ONE |
|---|---|
| Type | Credit Union |
| Address | FEMDALE, MI 48220 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 13, 2029 |
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 | $231,100 (+15.96%) | $462,200 (+15.96%) | |
| 2025 | $4,762.00 (+13.11%) | ||
| 2023 | $199,300 | $398,600 | |
| 2022 | $4,210.00 |
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 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures