6103 Cotter Ave, Sterling Heights, MI 48314 Property Records

Macomb County property record for 6103 Cotter Ave, Sterling Heights, MI 48314

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1985
Lot Size	0.408 acres (17,772 sqft)
Owner	Individual Name on File
Last Sale	$129,000 (Mar 2015)
Tax Bill	$5,563 (2025)
Deeds & Mortgages	Jan 2024 Mortgage May 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`10-10-04-302-032`

Property Details

APN / Parcel Number

Primary APN	`10-10-04-302-032`
Alternative APN	`1004302032`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Lot Area	17,772 sqft (0.408 acres)
Lot Dimensions	296 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6103 COTTER AVE
City	STERLING HEIGHTS
State	MI
Zip	48314-2141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	SUPERVISOR'S PLAT OF EYSTER'S MOUND ROAD FARMS E 60.0 FT OF W 120.0 FT OF LOT 42
Legal Range	12E
Legal Township	02N
Legal Section	04
Legal Subdivision	EYSTERS MOUND ROAD FARMS
Legal Lot Number	42
Jurisdiction	MACOMB MI
Township / Civil Division	STERLING HEIGHTS
Census Block Group	3
Census Block	3015
Census Tract	230501

Owner

6103 Cotter Ave is owned and occupied by an individual who bought it in March 2015.

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

Owner of Record	Individual Name on File
Mailing Address	6103 COTTER AVE, STERLING HEIGHTS, MI 48314-2141
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
Jan 10, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
May 20, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Feb 7, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Oct 7, 2019	Deed of Trust, Mortgage · Line of Credit EXTRA CU
Aug 20, 2019	Deed of Trust, Mortgage · Line of Credit EXTRA CU
Nov 27, 2017	Loan Modification, Mortgage · FHA Mortgage FLAGSTAR BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2015 · Amount on File
Deed Sale	Mar 26, 2015 · Amount on File
Prior Sale	Aug 13, 2014 · Amount on File
Deed Document Number	20155041500
Deed Book / Page	23320 / 457
Prior Transfer Date	Jul 31, 2007
Prior Transfer Doc	0000112568
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	6103 COTTER AVE, STERLING HEIGHTS, MI 48314-2141
Transaction Type	Mortgage
Record Updated	Jan 25, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6103 COTTER AVE, STERLING HEIGHTS, MI 48314-2141

Mortgage

Document Number	2400002796
Date	Jan 10, 2024
Book Page	29437/775
Instrument	202400002796

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jan 1, 2064

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	6103 COTTER AVE, STERLING HEIGHTS, MI 48314-2141
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6103 COTTER AVE, STERLING HEIGHTS, MI 48314-2141

Mortgage

Document Number	2102184416
Date	May 20, 2021
Book Page	27725/334
Instrument	202102184416

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	318 Months
Due	Nov 1, 2047

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	6103 COTTER AVE, STERLING HEIGHTS, MI 48314-2141
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6103 COTTER AVE, STERLING HEIGHTS, MI 48314-2141

Mortgage

Document Number	2200018124
Date	Feb 7, 2022
Book Page	28414/471
Instrument	202200018124

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	309 Months
Due	Nov 1, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	6103 COTTER AVE, STERLING HEIGHTS, MI 48314-2141
Document Number	0000121193
Instrument Date	Oct 7, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6103 COTTER AVE STERLING HEIGHTS MI 483142141, STERLING HEIGHTS, MI 48314-2141

Mortgage

Document Number	0000121193
Date	Oct 28, 2019
Book Page	026289/000561
Instrument	121193

Lender

Name	EXTRA CU
Type	Credit Union
Address	WARREN, MI 48092

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 27, 2039

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	6103 COTTER AVE, STERLING HEIGHTS, MI 48314-2141
Document Number	0000097352
Instrument Date	Aug 20, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6103 COTTER AVE STERLING HEIGHTS MI 483142141, STERLING HEIGHTS, MI 48314-2141

Mortgage

Document Number	0000097352
Date	Aug 29, 2019
Book Page	026164/000856
Instrument	97352

Lender

Name	EXTRA CU
Type	Credit Union
Address	WARREN, MI 48092

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 28, 2039

Interest

Rate Type	Adjustable Rate

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MACOMB MI
Property Address	6103 COTTER AVE, STERLING HEIGHTS, MI 48314-2141
Document Number	0000150965
Book / Page	025128 / 000583
Instrument Date	Nov 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 17, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6103 COTTER AVE STERLING HEIGHTS MI 483142141, STERLING HEIGHTS, MI 48314-2141

Mortgage

Document Number	0000150965
Date	Dec 20, 2017
Book Page	025128/000583
Instrument	150965

Lender

Name	FLAGSTAR BK
Type	Bank
Address	CARROLLTON, TX 75006

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 6103 Cotter Ave was $5,563 with a homeowner's exemption.

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		$128,200 (+21.63%)	$256,400 (+21.63%)
2025	$5,563.00 Homeowner's exemption	$105,400	$210,800
2023		$92,500	$185,000
2022	$4,072.00

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

Flood

FEMA maps place 6103 Cotter Ave 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
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

Wildfire risk around 6103 Cotter Ave 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 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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