Macomb County property record for 46109 Shoal Dr, Macomb, MI 48044
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,905 sqft · built 2015 |
| Lot Size | 1.97 acres (85,944 sqft) |
| Owner | Individual Name on File |
| Last Sale | $127,750 (Jun 2015) |
| Tax Bill | $10,143 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 20-08-33-127-068 |
| Primary APN | 20-08-33-127-068 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 4 Half Baths |
| Stories | 2 Stories |
| Building Area | 3,905 sqft Living Area |
| 1st Floor Area | 2,131 sqft |
| Basement Area | 2,131 sqft |
| Unfinished Basement | 2,131 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Lot Area | 85,944 sqft (1.97 acres) |
| Lot Dimensions | 262 ft deep x 328 ft wide |
| Garage Area | 1,129 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 46109 SHOAL DR |
|---|---|
| City | MACOMB |
| State | MI |
| Zip | 48044-6709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | RIVERWOODS FARMS SUB LOT 1 LIBER: 161 PGS: 47-50 |
| Legal Subdivision | RIVERWOODS FARMS SUB |
| Legal Lot Number | 1 |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | MACOMB |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 224201 |
46109 Shoal Dr is owned and occupied by an individual who acquired it in April 2020.
Source: Macomb County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 46109 SHOAL DR, MACOMB, MI 48044-6709 |
| 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.
| Date | Document |
|---|---|
| Feb 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jan 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 13, 2020 | Quit Claim Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 18, 2015 · Amount on File |
| Deed Sale | Jun 18, 2015 · Amount on File |
| Prior Sale | Mar 28, 2013 · Amount on File |
| Deed Document Number | 20155078316 |
| Deed Book / Page | 23471 / 538 |
| Last Transfer Date | Apr 22, 2020 |
| Transfer Doc | 0000079540 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 46109 SHOAL DR, MACOMB, MI 48044-6709 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000013569 |
|---|---|
| Date | Feb 2, 2017 |
| Book Page | 24537/409 |
| Instrument | 7013569 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 46109 SHOAL DR, MACOMB, MI 48044-6709 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 46109 SHOAL DR, MACOMB, MI 48044-6709 |
| Document Number | 2200004459 |
|---|---|
| Date | Jan 10, 2022 |
| Book Page | 28347/116 |
| Instrument | 202200004459 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Jul 13, 2020 |
| Property Address | 46109 SHOAL DR, MACOMB, MI 48044-6709 |
| Document Number | 0000079540 |
| Book / Page | 26831 / 157 |
| Map Reference | LB 161 PG 47 |
| Instrument Date | Apr 22, 2020 |
| Instrument | 2079540 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | AMROCK INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 46109 SHOAL DR, 46109, MACOMB, MI 48044-6709 |
| Name | Verified Name |
|---|---|
| Address | 46109 SHOAL DR, MACOMB, MI 48044-6709 |
| Document Number | 0000079541 |
|---|---|
| Date | Jul 13, 2020 |
| Instrument | 2079541 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 46109 Shoal Dr was $10,143 with a homeowner's exemption.
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 | $415,700 | $831,400 | |
| 2025 | $10,143.00 | ||
| 2023 | $344,000 | $688,000 | |
| 2022 | $8,964.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46109 Shoal Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 46109 Shoal Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 |
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