48605 Bay Harbor Dr, Macomb, MI 48044 Property Records

Macomb County property record for 48605 Bay Harbor Dr, Macomb, MI 48044

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,615 sqft · built 2004
Lot Size	0.209 acres (9,104 sqft)
Owner	2 Individual Names on File
Last Sale	$104,000 (May 2004)
Tax Bill	$4,623 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-08-26-122-004`

Property Details

APN / Parcel Number

Primary APN	`20-08-26-122-004`
Alternative APN	`0826122004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,615 sqft Living Area
1st Floor Area	1,326 sqft
Basement Area	1,326 sqft
Unfinished Basement	1,326 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Lot Area	9,104 sqft (0.209 acres)
Lot Dimensions	130 ft deep x 70 ft wide
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	48605 BAY HARBOR DR
City	MACOMB
State	MI
Zip	48044-2305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SYCAMORE ESTATES SUB NO. 1 LOT 73 L. 155 PGS. 64-70
Legal Subdivision	SYCAMORE ESTATES SUB
Legal Lot Number	73
Jurisdiction	MACOMB MI
Township / Civil Division	MACOMB
Census Block Group	2
Census Block	2019
Census Tract	223401

Owner

48605 Bay Harbor Dr is owned and occupied by two individuals who bought it in May 2004.

Source: Macomb County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	48605 BAY HARBOR DR, MACOMB, MI 48044-2305
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2004 · Amount on File
Deed Sale	May 12, 2004 · Amount on File
Deed Document Number	20044111256
Deed Book / Page	15399 / 828
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	48605 BAY HARBOR DR, MACOMB, MI 48044-2305
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045235
Date	Apr 17, 2018
Book Page	25316/117
Instrument	8045235

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2033

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	48605 BAY HARBOR DR, MACOMB, MI 48044-2305
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	MTG

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48605 BAY HARBOR DR, MACOMB, MI 48044-2305

Mortgage

Document Number	2102152061
Date	Apr 5, 2021
Book Page	27535/892
Instrument	202102152061

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 48605 Bay Harbor Dr was $4,623 with a homeowner's exemption.

Source: Macomb County assessment roll, as of October 19, 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		$243,800	$487,600
2025	$4,623.00
2023		$197,100	$394,200
2022	$3,939.00

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

Flood

FEMA maps place 48605 Bay Harbor Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 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

The area around 48605 Bay 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.

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 387 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

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