6041 Cotter Ave, Sterling Heights, MI 48314 Property Records

Macomb County property record for 6041 Cotter Ave, Sterling Heights, MI 48314

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,575 sqft · built 1999
Lot Size	0.455 acres (19,820 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Sep 2010)
Tax Bill	$4,131 (2025)
Deeds & Mortgages	May 2021 Line of Credit Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-10-04-302-047`

Property Details

APN / Parcel Number

Primary APN	`10-10-04-302-047`
Alternative APN	`1004302047`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,575 sqft Living Area
1st Floor Area	1,559 sqft
Basement Area	1,559 sqft
Unfinished Basement	1,559 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Brick
Lot Area	19,820 sqft (0.455 acres)
Lot Dimensions	296 ft deep x 67 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	6041 COTTER AVE
City	STERLING HEIGHTS
State	MI
Zip	48314-2139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	SUPERVISOR'S PLAT OF EYSTERS MOUND ROAD FARMS, E 1/2 OF LOT 40 {SPLIT FROM -020 FOR 1998}
Legal Subdivision	EYSTERS MOUND ROAD FARMS
Legal Lot Number	40
Jurisdiction	MACOMB MI
Township / Civil Division	STERLING HEIGHTS
Census Block Group	3
Census Block	3015
Census Tract	230501

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6041 COTTER AVE, STERLING HEIGHTS, MI 48314-2139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Jul 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2010 · Amount on Record
Deed Sale	Sep 9, 2010 · Amount on Record
Prior Sale	Sep 13, 2000 · Amount on Record
Deed Document Number	2010102466
Deed Book / Page	20405 / 910
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	6041 COTTER AVE, STERLING HEIGHTS, MI 48314-2139
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6041 COTTER AVE, STERLING HEIGHTS, MI 48314-2139

Mortgage

Document Number	2102184234
Date	May 20, 2021
Book Page	27723/977
Instrument	202102184234

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	6041 COTTER AVE, STERLING HEIGHTS, MI 48314-2139
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079341
Date	Jul 17, 2019
Book Page	26075/563
Instrument	9079341

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2039

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
Municipality	Sterling Heights City
Unified School District	Utica Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$189,500 (+16.98%)	$379,000 (+16.98%)
2025	$4,131.00 (+17.22%)
2023		$162,000	$324,000
2022	$3,524.00

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 · 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
Community Rating System	Class 7 (15% premium discount)
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 93% 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	CITY OF STERLING HEIGHTS serves 127,000 people · EPA ID MI0006385
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Jan 2022
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	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 187 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
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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