Macomb County property record for 48446 Harbor Dr, Chesterfield, MI 48047
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,531 sqft · built 1958 |
| Lot Size | 0.186 acres (8,102 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,523 (2025) |
| Deeds & Mortgages | Feb 2021 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 15-09-27-178-014 |
| Primary APN | 15-09-27-178-014 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,531 sqft Living Area |
| 1st Floor Area | 1,306 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1974 |
| Construction Type | Brick |
| Lot Area | 8,102 sqft (0.186 acres) |
| Lot Dimensions | 131 ft deep x 62 ft wide |
| Garage Area | 536 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 48446 HARBOR DR |
|---|---|
| City | CHESTERFIELD |
| State | MI |
| Zip | 48047-3469 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B RES |
| Legal Description | ANCHOR BAY HARBOR LOT 33 |
| Legal Subdivision | ANCHOR BAY HARBOR |
| Legal Lot Number | 33 |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | CHESTERFIELD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 222800 |
48446 Harbor Dr is owned and occupied by two individuals who acquired it in January 2025.
Source: Macomb County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48446 HARBOR DR, CHESTERFIELD, MI 48047-3469 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 28, 2025 |
| Transfer Doc | 0000007859 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 48446 HARBOR DR, CHESTERFIELD, MI 48047-3469 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000125024 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 27431/639 |
| Instrument | 2125024 |
| Name | COMERICA BANK |
|---|---|
| Type | Bank |
| Address | DALLAS, TX 75201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 4, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 48446 Harbor Dr was $6,523 with a homeowner's exemption.
Source: Macomb County assessment roll, as of October 19, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Macomb County |
| County Subdivision | Chesterfield Township |
| Unified School District | Anchor Bay School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $273,600 | $547,200 | |
| 2025 | $6,523.00 | ||
| 2023 | $217,700 | $435,400 | |
| 2022 | $5,717.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48446 Harbor 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 | 581.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 41 (1979–2020) |
| Claims Outside the SFHA | 7 of 41 |
| Most Recent Claim | May 2020 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 48446 Harbor 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: FCC Broadband Data Collection, based on 231 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 Fixed Wireless · DSL | 100 / 20 |
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