Under Contract
21868 28 Mile Road, Ray, MI
$429,000
MLS # 20261028992 (Realcomp)
3 beds2 baths2,874 sqftBuilt 19720.99 acres
1 / 37
Listing Description
Welcome to 21868 28 Mile Road in Ray Township—where country charm meets modern comfort. Pride of ownership shows in this 3 bedroom 2 full bath brick ranch. Impeccably maintained. Situated on a generous parcel, this property offers the peace and privacy of rural living while still being conveniently located near shopping, dining, and major roadways.Step inside to find a warm and inviting interior with a functional layout designed for everyday living. Natural light fills the living spaces, creating a bright and airy atmosphere throughout. The updated kitchen offers ample cabinetry and workspace, making it perfect for both daily meals and entertaining. Comfortable bedrooms and a large sunroom provides plenty of room to relax, while additional living space offers flexibility for a home office, hobby area, or guest accommodations.Outside, the expansive yard is a standout feature—ideal for outdoor gatherings, gardening, or simply enjoying the open space and scenic surroundings. Whether you're looking to create your own backyard retreat or need room for additional storage, vehicles, or equipment, this property delivers the space and potential to make it your own. Complete with Whole house generator.If you’ve been searching for a home that offers tranquility, space, and versatility, 21868 28 Mile Road is ready to welcome
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 2,874 sq ft home built in 1972 sits in Ray Township in Ray.
Listed at $429,000 (about $149/sq ft).
Annual property taxes run approximately $2,621 ($218/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by DTE Electric Company; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area2,874 sqft
Lot Size0.99 acres
Year Built1972
Stories1
Location
CityRay
MunicipalityRay Twp
CountyMacomb
School DistrictNew Haven
Construction & Systems
ConstructionBrick
BasementPartial
Garage2.5 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorBasement Partially Finished, Generator, Security System
Sale & Financing
Listed5/25/2026
Terms AcceptedCash, Conventional, FHA, Rural Development, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$2,621
State Equalized Value$142,300
Taxable Value$86,853
Parcel #05-26-100-002
Source: Public Records
Legal Description
T4N,R13E SEC 26 COMM AT NW CORSEC 26; TH S89*38'50"E 266.0 FT ALG N SEC LINE TO PT OF BEG; TH S89*38'50"E 133.0 FT ALG SD LINE; TH S 324.51 FT; TH N89*38'50"W 133.0 FT; TH N 324.51 FT TO PT OF BEG. 0.99 A
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Michele Murphy
Berkshire Hathaway HomeServices Kee Realty Washin
Frequently Asked Questions about 21868 28 Mile Road, Ray, MI
What school district is 21868 28 Mile Road, Ray, MI in?
Per MLS# 20261028992, this property is served by New Haven. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 21868 28 Mile Road, Ray, MI?
Per MLS# 20261028992, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, Rural Development, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261028992, the most recent reported annual property tax for 21868 28 Mile Road, Ray, MI is $2,621. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 21868 28 Mile Road, Ray, MI eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 21868 28 Mile Road, Ray, MI is in flood zone X (minimal risk). Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: SEMCO Energy Gas Company. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
How safe is this area?
Per our practice, crime and safety data should be obtained directly from the authoritative source. Macomb County law enforcement agencies participate in CLEMIS (Courts and Law Enforcement Management Information System) for public safety records.
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Monthly payment$2,782
Principal & interest$2,782
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
DTE Electric Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
21868 28 Mile Road, Ray, MI
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Municipality
Ray Township
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County
Macomb County
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