5098 Bernice Ave, Warren, MI 48091 Property Records

Macomb County property record for 5098 Bernice Ave, Warren, MI 48091

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1960
Lot Size	0.213 acres (9,278 sqft)
Owner	2 Individual Names on Record
Last Sale	$152,000 (Aug 2003)
Tax Bill	$2,601 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-13-20-253-007`

Property Details

APN / Parcel Number

Primary APN	`12-13-20-253-007`
Alternative APN	`1320253007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	1 sqft
1st Floor Area	1,288 sqft
Basement Area	988 sqft
Unfinished Basement	986 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	9,278 sqft (0.213 acres)
Lot Dimensions	152 ft deep x 61 ft wide
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	5098 BERNICE AVE
City	WARREN
State	MI
Zip	48091-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-C
Legal Description	CAROLE PARK SUBDIVISION LOT 82 L.44 P.35-36
Legal Subdivision	CAROLE PARK SUBDIVISION
Legal Lot Number	82
Jurisdiction	MACOMB MI
Township / Civil Division	WARREN
Census Block Group	2
Census Block	2012
Census Tract	262500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	5098 BERNICE AVE, WARREN, MI 48091-1220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2003 · Amount on Record
Deed Sale	Aug 27, 2003 · Amount on Record
Deed Document Number	20033250187
Deed Book / Page	14107 / 858
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	5098 BERNICE AVE, WARREN, MI 48091-1220
Transaction Type	Mortgage
Record Updated	May 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5098 BERNICE AVE, WARREN, MI 48091-1220

Mortgage

Document Number	2300036337
Date	Apr 25, 2023
Book Page	29099/364
Instrument	202300036337

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 12, 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	5098 BERNICE AVE, WARREN, MI 48091-1220
Transaction Type	Mortgage
Record Updated	Jul 12, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5098 BERNICE AVE, WARREN, MI 48091-1220

Mortgage

Document Number	2102182014
Date	May 17, 2021
Book Page	27710/596
Instrument	202102182014

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

Tax Assessment & Valuation

Source: Macomb County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
Municipality	Warren City
Unified School District	Warren Consolidated Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$118,580 (+27.96%)	$237,160 (+27.96%)
2025	$2,601.00 (+14.83%)
2023		$92,670	$185,340
2022	$2,265.00

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
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	CITY OF WARREN serves 134,056 people · EPA ID MI0006900
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Feb 2025
Lead	3 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	None 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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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