6124 Cotter Ave, Sterling Heights, MI 48314 Property Records

Macomb County property record for 6124 Cotter Ave, Sterling Heights, MI 48314

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,416 sqft · built 1940
Lot Size	0.496 acres (21,606 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Aug 2023)
Tax Bill	$4,462 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-10-04-351-041`

Property Details

APN / Parcel Number

Primary APN	`10-10-04-351-041`
Alternative APN	`1004351041`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,416 sqft Living Area
1st Floor Area	948 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick
Construction Type	Brick
Lot Area	21,606 sqft (0.496 acres)
Lot Dimensions	296 ft deep x 73 ft wide
Garage Type	Detached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6124 COTTER AVE
City	STERLING HEIGHTS
State	MI
Zip	48314-2140
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 72.90 FT OF LOT 45 SPLIT FROM 1004351023 FOR 83
Legal Subdivision	SUPERVISORS PLAT
Legal Lot Number	45
Jurisdiction	MACOMB MI
Township / Civil Division	STERLING HEIGHTS
Census Block Group	3
Census Block	3017
Census Tract	230501

Owner

6124 Cotter Ave is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	6124 COTTER AVE, STERLING HEIGHTS, MI 48314-2140
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
Aug 25, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 1, 2022	Warranty Deed, Transfer · Conventional Mortgage KAYE FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2023 · Amount on File
Deed Sale	Aug 25, 2023 · Amount on File
Prior Sale	Feb 1, 2022 · Amount on File
Deed Document Number	202372975
Deed Book / Page	29271 / 210
Prior Transfer Date	Oct 12, 2000
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Aug 25, 2023
Property Address	6124 COTTER AVE, STERLING HEIGHTS, MI 48314-2140
Document Number	2300072975
Book / Page	29271 / 210
Map Reference	LB 19 PG 12
Instrument Date	Aug 24, 2023
Instrument	202300072975
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	FIRST PREMIER TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6124 COTTER AVE, STERLING HEIGHTS, MI 48314-2140

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	52619 POWDERHORN DR, MACOMB, MI 48042-3452
Investor	Possibly a Property Investor

Mortgage

Document Number	2300074100
Date	Aug 30, 2023
Book Page	29276/289
Instrument	202300074100

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Feb 1, 2022
Property Address	6124 COTTER AVE, STERLING HEIGHTS, MI 48314-2140
Document Number	2200015140
Book / Page	28400 / 823
Map Reference	LB 19 PG 12
Instrument Date	Jan 28, 2022
Instrument	202200015140
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	BBC TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6124 COTTER AVE, 6124, STERLING HEIGHTS, MI 48314-2140

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6124 COTTER AVE, STERLING HEIGHTS, MI 48314-2140

Mortgage

Document Number	2200017991
Date	Feb 7, 2022
Book Page	28413/751
Instrument	202200017991

Lender

Name	KAYE FINANCIAL CORP
Type	Funding / Finance Company
Address	FARMINGTON, MI 48334

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 6124 Cotter Ave was $4,462 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		$130,400	$260,800
2025	$4,462.00
2023		$99,700	$199,400
2022	$2,571.00

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 6124 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 6124 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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