49776 Gracechurch Rd, Macomb, MI 48044 Property Records

Macomb County property record for 49776 Gracechurch Rd, Macomb, MI 48044

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,249 sqft · built 2012
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Jan 2021)
Tax Bill	$6,538 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-19-401-004`

Property Details

APN / Parcel Number

Primary APN	`20-08-19-401-004`
Alternative APN	`0819401004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,249 sqft Living Area
1st Floor Area	1,696 sqft
Basement Area	1,696 sqft
Unfinished Basement	1,696 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2013
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	126 ft deep x 70 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	49776 GRACECHURCH RD
City	MACOMB
State	MI
Zip	48044-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UNZONED
Legal Description	WESTMINISTER SUB LOT 177 LIBER: 159 PGS: 44-58
Legal Subdivision	WESTMINISTER SUB
Legal Lot Number	177
Jurisdiction	MACOMB MI
Township / Civil Division	MACOMB
Census Block Group	3
Census Block	3025
Census Tract	224001

Owner

49776 Gracechurch Rd is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	49776 GRACECHURCH RD, MACOMB, MI 48044-1529
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
Dec 5, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Jan 19, 2021	Warranty Deed, Transfer · Conventional Mortgage PLAZA HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2021 · Amount on File
Deed Sale	Jan 19, 2021 · Amount on File
Prior Sale	Jun 3, 2013 · Amount on File
Deed Document Number	20218662
Deed Book / Page	27339 / 379
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	49776 GRACECHURCH RD, MACOMB, MI 48044-1529
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000138460
Date	Dec 5, 2019
Book Page	26376/630
Instrument	9138460

Lender

Name	FIRST BANK
Type	Bank
Address	EL SEGUNDO, CA 90245

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	49776 GRACECHURCH RD, MACOMB, MI 48044-1529
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	GREATER MACOMB TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36659 IROQUOIS DR, STERLING HEIGHTS, MI 48310-4553

Mortgage

Document Number	0000162038
Date	Dec 28, 2020
Book Page	27283/40
Instrument	2162038

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	ITASCA, IL 60143

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jan 19, 2021
Property Address	49776 GRACECHURCH RD, MACOMB, MI 48044-1529
Document Number	0000108662
Book / Page	027339 / 000379
Instrument Date	Dec 11, 2020
Instrument	108662
Transaction Type	Transfer
Record Updated	Feb 19, 2021
Title Company	PARTNERS TITLE AGENCY LLC, PARTNERS TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,698.00
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	36659 IROQUOIS DR STERLING HEIGHTS MI 483104553, STERLING HEIGHTS, MI 48310-4553

Mortgage

Document Number	162038
Date	Jan 19, 2021
Book Page	027283/000040
Instrument	162038

Lender

Name	PLAZA HM MTG
Type	Mortgage Company
Address	ITASCA, IL 60143

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 18, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 49776 Gracechurch Rd was $6,538 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	Utica Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$276,100	$552,200
2025	$6,538.00
2023		$229,700	$459,400
2022	$5,782.00

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

Flood

FEMA maps place 49776 Gracechurch Rd 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 49776 Gracechurch Rd 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 449 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
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Verizon.

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