48545 American Elm Dr, Macomb, MI 48044 Property Records

Macomb County property record for 48545 American Elm Dr, Macomb, MI 48044

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,052 sqft · built 2000
Lot Size	0.211 acres (9,191 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Nov 2018)
Tax Bill	$6,564 (2025)
Deeds & Mortgages	May 2023 Line of Credit May 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-28-125-002`

Property Details

APN / Parcel Number

Primary APN	`20-08-28-125-002`
Alternative APN	`0828125002`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,052 sqft Living Area
1st Floor Area	1,592 sqft
Basement Area	1,592 sqft
Unfinished Basement	1,592 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	9,191 sqft (0.211 acres)
Lot Dimensions	131 ft deep x 70 ft wide
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	48545 AMERICAN ELM DR
City	MACOMB
State	MI
Zip	48044-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PINECREST SUB #2 LOT 104 LIBER: 142 PAGES: 24-29
Legal Subdivision	PINECREST SUB
Legal Lot Number	104
Jurisdiction	MACOMB MI
Township / Civil Division	MACOMB
Census Block Group	2
Census Block	2014
Census Tract	224102

Owner

Source: Macomb County records, as of July 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	48545 AMERICAN ELM DR, MACOMB, MI 48044-1429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 13, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES INC
May 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES INC
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES INC
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES INC
Nov 8, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2018 · Amount on Record
Deed Sale	Nov 8, 2018 · Amount on Record
Prior Sale	Jun 19, 2006 · Amount on Record
Deed Document Number	20188124259
Deed Book / Page	25674 / 877
Prior Transfer Date	Nov 5, 2014
Prior Transfer Doc	0000135098
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	48545 AMERICAN ELM DR, MACOMB, MI 48044-1429
Transaction Type	Mortgage
Record Updated	May 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48545 AMERICAN ELM DR, MACOMB, MI 48044-1429

Mortgage

Document Number	2300041455
Date	May 8, 2023
Book Page	29118/704
Instrument	202300041455

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 28, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	48545 AMERICAN ELM DR, MACOMB, MI 48044-1429
Transaction Type	Mortgage
Record Updated	Jul 12, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48545 AMERICAN ELM DR, MACOMB, MI 48044-1429

Mortgage

Document Number	2102180094
Date	May 13, 2021
Book Page	27699/736
Instrument	202102180094

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 21, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	48545 AMERICAN ELM DR, MACOMB, MI 48044-1429
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48545 AMERICAN ELM DR, MACOMB, MI 48044-1429

Mortgage

Document Number	0000123579
Date	Feb 12, 2021
Book Page	27421/683
Instrument	2123579

Lender

Name	FIRST SECURITIES FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	FRANKLIN, MI 48025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Feb 1, 2046

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	48545 AMERICAN ELM DR, MACOMB, MI 48044-1429
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050487
Date	May 7, 2019
Book Page	25945/540
Instrument	9050487

Lender

Name	FIRST SECURITIES FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	FRANKLIN, MI 48025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	48545 AMERICAN ELM DR, MACOMB, MI 48044-1429
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000130880
Date	Nov 18, 2019
Book Page	26339/418
Instrument	9130880

Lender

Name	FIRST SECURITIES FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	FRANKLIN, MI 48025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	48545 AMERICAN ELM DR, MACOMB, MI 48044-1429
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075852
Date	Jul 6, 2020
Book Page	26813/589
Instrument	2075852

Lender

Name	FIRST SECURITIES FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	FRANKLIN, MI 48025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Nov 8, 2018
Property Address	48545 AMERICAN ELM DR, MACOMB, MI 48044-1429
Document Number	0000124259
Book / Page	25674 / 877
Map Reference	LB 142 PG 24-29
Instrument Date	Oct 29, 2018
Instrument	8124259
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50131 MADISON DR, 50131, MACOMB, MI 48044-1262

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15567 N ROYAL DOULTON BLVD, CLINTON TOWNSHIP, MI 48038-2663

Mortgage

Document Number	0000124260
Date	Nov 8, 2018
Instrument	8124260

Lender

Name	FIRST SECURITIES FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
County Subdivision	Macomb Township
Unified School District	Chippewa Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$259,500 (+4.55%)	$519,000 (+4.55%)
2025	$6,564.00 (+12.49%) Homeowner's exemption	$248,200 (+15.01%)	$496,400 (+15.01%)
2023		$215,800	$431,600
2022	$5,835.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 4, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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