45592 Keding St, Utica, MI 48317 Property Records

Macomb County property record for 45592 Keding St, Utica, MI 48317

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,440 sqft · built 1972
Lot Size	0.215 acres (9,365 sqft)
Owner	Individual Name on File
Last Sale	$142,130 (Jul 2026)
Tax Bill	$3,217 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-07-34-428-010`

Property Details

APN / Parcel Number

Primary APN	`11-07-34-428-010`
Alternative APN	`0734428010`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	816 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
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

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

Location & Zoning

Street Address	45592 KEDING ST
City	UTICA
State	MI
Zip	48317-6014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	NORMANDY SUB. NO. 2 LOT 66
Legal Subdivision	NORMANDY SUB
Legal Lot Number	66
Jurisdiction	MACOMB MI
Township / Civil Division	UTICA
Census Block Group	3
Census Block	3005
Census Tract	228000

Owner

45592 Keding St is owned and occupied by an individual who bought it in July 2026.

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

Owner of Record	Individual Name on File
Mailing Address	45592 KEDING ST, UTICA, MI 48317-6014
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 7, 2026	Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT
Jun 6, 2018	Deed of Trust, Mortgage · VA Mortgage FIFTH THIRD MTG/MI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2026 · Amount on File
Deed Sale	Jul 7, 2026 · Amount on File
Prior Sale	Feb 10, 2005 · Amount on File
Deed Document Number	202664433
Deed Book / Page	30749 / 80
Prior Transfer Date	Jun 8, 2026
Prior Transfer Doc	0000064433
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jul 7, 2026
Property Address	45592 KEDING ST, UTICA, MI 48317-6014
Document Number	0000064433
Book / Page	30749 / 80
Instrument Date	Jun 8, 2026
Instrument	202664433
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123,454.32
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45592 KEDING ST, UTICA, MI 48317-6014

Mortgage

Document Number	0000064434,
Date	Jul 7, 2026
Book Page	30749/82
Instrument	202664434

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.37%
Max Rate	-1%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	45592 KEDING ST, UTICA, MI 48317-6014
Document Number	0000067801
Instrument Date	Jun 6, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45592 KEDING ST SHELBY TOWNSHIP MI 483176014, SHELBY TOWNSHIP, MI 48317-6014

Mortgage

Document Number	0000067801
Date	Jun 13, 2018
Book Page	025414/000947
Instrument	67801

Lender

Name	FIFTH THIRD MTG/MI
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 45592 Keding St was $3,217 with a homeowner's exemption.

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		$131,600 (+4.78%)	$263,200 (+4.78%)
2025	$3,217.00 Homeowner's exemption	$125,600	$251,200
2023		$106,800	$213,600
2022	$2,847.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45592 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 45592 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.

Nearby Properties on Keding St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures