Sold
22646 Stephens Street, Saint Clair Shores, MI 48080
Sold on 05/29/2026 for$197,000
MLS # 20261010584 (Realcomp)
3 beds1 bath1,304 sqftBuilt 19270.16 acres
1 / 16
Listing Description
Come see the cutest 1927-built Cape Cod located in the heart of Saint Clair Shores, right off the Nautical Mile and within walking distance to Downtown! Just in time to get into your new home before the holidays, this home features a spacious living room with built-in shelving units. Separate dining room and kitchen with custom painted cabinets and hickory hardwood floors! The primary bedroom features a walk-in closet. Spacious laundry room with storage on the main level.Two additional bedrooms on the second level! Two-car detached garage is wired with 220 service. Fenced backyard has plenty of room for those outdoor events. Schedule your showing today!
Source: SparkMLS
About this home
This 3-bedroom, 1-bath, 1,304 sq ft home built in 1927 sits in St Clair Shores in Saint Clair Shores.
This home sold for $197,000 (about $151/sq ft).
Property tax estimate: $4,532 per year ($378/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 Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Living Area1,304 sqft
Lot Size0.16 acres
Year Built1927
Stories2
Location
CitySaint Clair Shores
MunicipalitySaint Clair Shores City
Zip Code48080
CountyMacomb
School DistrictSouth Lake
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingBaseboard, Hot Water, Steam
WaterPublic
SewerPublic
Sale & Financing
Listed2/18/2026
Sold Date5/28/2026
Original Price$212,500
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$4,532
State Equalized Value$87,000
Taxable Value$87,000
Parcel #14-27-477-007
Source: Public Records
Legal Description
WHITMORE LAKE SUBDIVISION (L4, P17) LOT 15
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Nicole Elliott
J Michael Realty LLC
Frequently Asked Questions about 22646 Stephens Street, Saint Clair Shores, MI 48080
Which school district serves 22646 Stephens Street, Saint Clair Shores, MI 48080?
Per MLS# 20261010584, 22646 Stephens Street, Saint Clair Shores, MI 48080 is in the South Lake boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact South Lake directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 20261010584, this listing accepts Cash, Conventional, FHA, VA Loan financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 22646 Stephens Street, Saint Clair Shores, MI 48080?
Per public tax records, annual property taxes for this property are $4,532. 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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 22646 Stephens Street, Saint Clair Shores, MI 48080 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
Is 22646 Stephens Street, Saint Clair Shores, MI 48080 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. 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.
What utilities serve 22646 Stephens Street, Saint Clair Shores, MI 48080?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: Consumers Energy Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the source. Macomb County is served by CLEMIS (Courts and Law Enforcement Management Information System), which provides public safety data for Southeast Michigan law enforcement agencies.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$1,330
Principal & interest$1,330
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
DTE Electric Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
22646 Stephens Street, Saint Clair Shores, MI 48080
View full property history →
Municipality
St Clair Shores
View all listings →
County
Macomb County
View county overview →
Get email alerts for new listings near 22646 Stephens Street
We'll notify you when something hits the market in St Clair Shores or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.