Macomb County property record for 45876 Keding St, Utica, MI 48317
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,712 sqft · built 1971 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $207,500 (Oct 2017) |
| Tax Bill | $4,714 (2025) |
| Deeds & Mortgages | Aug 2026 Transfer Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-07-34-278-006 |
| Primary APN | 11-07-34-278-006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,712 sqft Living Area |
| 1st Floor Area | 1,334 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 1,092 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Colonial |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 45876 KEDING ST |
|---|---|
| City | UTICA |
| State | MI |
| Zip | 48317-6020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | NORMANDY SUB. NO. 3 LOT 84 |
| Legal Subdivision | NORMANDY SUB |
| Legal Lot Number | 84 |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | UTICA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 228000 |
45876 Keding St is owner-occupied and held in a trust since August 2026.
Source: Macomb County records, as of October 19, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 45876 KEDING ST, UTICA, MI 48317-6020 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 27, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 AT SUBURBAN |
| Oct 5, 2017 | Warranty Deed, Transfer · Conventional with PMI BEST CHOICE LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2017 · Amount on File |
| Deed Sale | Oct 5, 2017 · Amount on File |
| Prior Sale | May 6, 2008 · Amount on File |
| Deed Document Number | 20177119516 |
| Deed Book / Page | 24981 / 725 |
| Last Transfer Date | Aug 22, 2026 |
| Transfer Doc | 0000081610 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Aug 27, 2026 |
| Property Address | 45876 KEDING ST, UTICA, MI 48317-6020 |
| Document Number | 0000081610 |
| Book / Page | 30832 / 426 |
| Instrument Date | Aug 22, 2026 |
| Instrument | 202681610 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 45876 KEDING ST, UTICA, MI 48317-6020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 45876 KEDING ST, UTICA, MI 48317-6020 |
| Document Number | 0000079539 |
| Instrument Date | Jul 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45876 KEDING ST UTICA MI 483176020, UTICA, MI 48317-6020 |
| Document Number | 0000079539 |
|---|---|
| Date | Jul 13, 2020 |
| Book Page | 026831/000147 |
| Instrument | 79539 |
| Name | MORTGAGE 1 AT SUBURBAN |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 12, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Oct 5, 2017 |
| Property Address | 45876 KEDING ST, UTICA, MI 48317-6020 |
| Document Number | 0000119516 |
| Book / Page | 024981 / 000725 |
| Instrument Date | Sep 13, 2017 |
| Instrument | 119516 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2017 |
| Title Company | TITLE CONNECT LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,784.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38605 DIAMOND HEAD CT CLINTON TOWNSHIP MI 480383400, CLINTON TOWNSHIP, MI 48038-3400 |
| Document Number | 120583 |
|---|---|
| Date | Oct 5, 2017 |
| Book Page | 024987/000696 |
| Instrument | 120583 |
| Name | BEST CHOICE LNDG |
|---|---|
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 4, 2047 |
The 2025 property tax bill for 45876 Keding St was $4,714 with a homeowner's exemption.
Source: Macomb County assessment roll, as of October 19, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Macomb County |
| Municipality | Utica City |
| Unified School District | Utica Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $141,500 (+5.28%) | $283,000 (+5.28%) | |
| 2025 | $4,714.00 Homeowner's exemption | $134,400 | $268,800 |
| 2023 | $115,700 | $231,400 | |
| 2022 | $4,163.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45876 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.
The area around 45876 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 196 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 |
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