Macomb County property record for 46654 W Ridge Dr, Macomb, MI 48044
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,570 sqft · built 1997 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $313,000 (Jul 2019) |
| Tax Bill | $7,512 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Dec 2023 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-08-33-229-008 |
| Primary APN | 20-08-33-229-008 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,570 sqft Living Area |
| 1st Floor Area | 1,401 sqft |
| Basement Area | 1,401 sqft |
| Unfinished Basement | 1,401 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1998 |
| Roof Type | Hip |
| Lot Area | 10,193 sqft (0.234 acres) |
| Lot Dimensions | 136 ft deep x 75 ft wide |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 46654 W RIDGE DR |
|---|---|
| City | MACOMB |
| State | MI |
| Zip | 48044-3581 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WINDEMERE WOODS SUB #3 LOT 189 LIBER: 110 PAGES: 35-41 |
| Legal Subdivision | WINDEMERE WOODS SUB |
| Legal Lot Number | 189 |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | MACOMB |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 224201 |
46654 W Ridge Dr is owned and occupied by two individuals who bought it in July 2019.
Source: Macomb County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46654 W RIDGE DR, MACOMB, MI 48044-3581 |
| 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 |
|---|---|
| Oct 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BARRETT FINANCIAL GROUP LLC |
| Dec 18, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MORTGAGE CENTER |
| Jun 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 17, 2019 | Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2019 · Amount on File |
| Deed Sale | Jul 17, 2019 · Amount on File |
| Prior Sale | Feb 22, 2011 · Amount on File |
| Deed Document Number | 20199079268 |
| Deed Book / Page | 26075 / 127 |
| Prior Transfer Date | Feb 26, 2010 |
| Prior Transfer Doc | 0000024800 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Oct 5, 2026 |
| Property Address | 46654 W RIDGE DR, MACOMB, MI 48044-3581 |
| Document Number | 0000093581 |
| Book / Page | 30890 / 723 |
| Instrument Date | Oct 2, 2026 |
| Instrument | 202693581 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000093581, |
|---|---|
| Date | Oct 5, 2026 |
| Book Page | 30890/723 |
| Instrument | 202693581 |
| Name | BARRETT FINANCIAL GROUP LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 46654 W RIDGE DR, MACOMB, MI 48044-3581 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 46654 W RIDGE DR, MACOMB, MI 48044-3581 |
| Document Number | 2300104472 |
|---|---|
| Date | Dec 18, 2023 |
| Book Page | 29415/61 |
| Instrument | 202300104472 |
| Name | MORTGAGE CENTER |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48076 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 46654 W RIDGE DR, MACOMB, MI 48044-3581 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Title Company | EVONS TITLE, DEVON TITLE |
| Name | Verified Name |
|---|---|
| Address | 46654 W RIDGE DR, MACOMB, MI 48044-3581 |
| Document Number | 2102190896 |
|---|---|
| Date | Jun 2, 2021 |
| Book Page | 27756/375 |
| Instrument | 202102190896 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Jul 17, 2019 |
| Property Address | 46654 W RIDGE DR, MACOMB, MI 48044-3581 |
| Document Number | 0000079268 |
| Book / Page | 26075 / 127 |
| Map Reference | LB 110 PG 35-41 |
| Instrument Date | Jun 3, 2019 |
| Instrument | 9079268 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2021 |
| Title Company | SPEEDY T&E SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,691.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 46654 W RIDGE DR, 46654, MACOMB, MI 48044-3581 |
| Name | Verified Name |
|---|---|
| Address | 46654 W RIDGE DR, MACOMB, MI 48044-3581 |
| Document Number | 0000079269 |
|---|---|
| Date | Jul 17, 2019 |
| Instrument | 9079269 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
The 2025 property tax bill for 46654 W Ridge Dr was $7,512 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 | $237,800 (+3.3%) | $475,600 (+3.3%) | |
| 2025 | $7,512.00 Homeowner's exemption | $230,200 | $460,400 |
| 2023 | $201,700 | $403,400 | |
| 2022 | $5,651.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46654 W Ridge Dr 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 46654 W Ridge Dr 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 | 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 528 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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