48643 Waterford Dr, Macomb, MI 48044 Property Records

Macomb County property record for 48643 Waterford Dr, Macomb, MI 48044

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,192 sqft · built 2002
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Jun 2025)
Tax Bill	$4,965 (2025)
Deeds & Mortgages	Jan 2022 Transfer May 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-27-209-016`

Property Details

APN / Parcel Number

Primary APN	`20-08-27-209-016`
Alternative APN	`0827209016`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,192 sqft Living Area
1st Floor Area	2,174 sqft
Basement Area	2,174 sqft
Unfinished Basement	2,174 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2003
Architectural Style	Ranch
Construction Type	Brick
Roof Type	Hip
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	120 ft deep x 109 ft wide
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	48643 WATERFORD DR
City	MACOMB
State	MI
Zip	48044-1879
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CORNERSTONE VILLAGE SUB #5 LOT 270 LIBER: 149 PAGES: 41-48
Legal Subdivision	CORNERSTONE VILLAGE SUB
Legal Lot Number	270
Jurisdiction	MACOMB MI
Township / Civil Division	MACOMB
Census Block Group	2
Census Block	2004
Census Tract	224101

Owner

48643 Waterford Dr is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	48643 WATERFORD DR, MACOMB, MI 48044-1879
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Jan 21, 2022	Intrafamily Transfer, Transfer
May 26, 2020	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK
Jul 22, 2020	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN SCHOOLS & GOV'T CU
Jun 1, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2025 · Amount on File
Deed Sale	Jun 10, 2025 · Amount on File
Prior Sale	Jul 22, 2020 · Amount on File
Deed Document Number	202551834
Deed Book / Page	30135 / 340
Prior Transfer Date	Jun 6, 2025
Prior Transfer Doc	0000051872
Record Updated	Oct 29, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACOMB MI
Recording Date	Jan 21, 2022
Property Address	48643 WATERFORD DR, MACOMB, MI 48044-1879
Document Number	2200011342
Book / Page	28382 / 524
Map Reference	LB 149 PG 41-48
Instrument Date	Dec 10, 2021
Instrument	202200011342
Transaction Type	Transfer
Record Updated	Feb 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48643 WATERFORD DR, MACOMB, MI 48044-1879

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	48643 WATERFORD DR, MACOMB, MI 48044-1879
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060683
Date	May 26, 2020
Book Page	26724/15
Instrument	2060683

Lender

Name	FIRST STATE BANK
Type	Bank
Address	SAINT CLAIR SHORES, MI 48080

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jul 22, 2020
Property Address	48643 WATERFORD DR, MACOMB, MI 48044-1879
Document Number	0000083631
Book / Page	026851 / 000068
Instrument Date	Jul 16, 2020
Instrument	83631
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,795.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	48643 WATERFORD DR MACOMB MI 480441879, MACOMB, MI 48044-1879

Mortgage

Document Number	83632
Date	Jul 22, 2020
Book Page	026851/000069
Instrument	83632

Lender

Name	MICHIGAN SCHOOLS & GOV'T CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2050

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACOMB MI
Recording Date	Jun 1, 2020
Property Address	48643 WATERFORD DR, MACOMB, MI 48044-1879
Document Number	0000062609
Book / Page	26736 / 824
Map Reference	LB 149 PG 41-48
Instrument Date	May 27, 2020
Instrument	2062609
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48643 WATERFORD DR, MACOMB, MI 48044-1879

Tax Assessment & Valuation

The 2025 property tax bill for 48643 Waterford Dr was $4,965 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		$245,500 (+15.2%)	$491,000 (+15.2%)
2025	$4,965.00 Homeowner's exemption	$213,100	$426,200
2023		$194,200	$388,400
2022	$4,389.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 48643 Waterford Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2021 · Severe Storms, Flooding, And Tornadoes

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

Wildfire risk around 48643 Waterford 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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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