Under Contract
32630 JEFFERSON Avenue, Saint Clair Shores, MI 48082
$1,299,000
MLS # 20261036176 (Realcomp)
4 beds4 baths4,730 sqftBuilt 19910.99 acres
1 / 49
Listing Description
Experience the ultimate waterfront lifestyle with this extraordinary lakefront estate situated on 1 stunning acre along the shores of Lake St. Clair. Offering 82 feet of seawall frontage, manicured grounds and breathtaking panoramic views. This is a rare opportunity to own a private lakeside retreat designed for luxury living and unforgettable entertaining. Boating enthusiasts will appreciate the newer fiberglass docking system complete with two remote-operated boat hoists (7,500 lb. and 14,000 lb. capacity), making lake access effortless. Private drive welcomes you into this secluded paradise. Over 4,300 square feet of living space with an open-concept design ideal for both everyday living and entertaining. Recent updates include freshly painted interior & exterior, new hardwood flooring and carpet, new roof and skylights, & high-efficiency furnace for peace of mind. Island kitchen featuring premium GE Monogram appliances. Expansive great room with walls of windows showcase stunning lake views. Multiple doorways lead to sprawling lakeside decking complete with a pergola, hot tub, & professional landscape lighting—creating the perfect outdoor oasis. Main-level living spaces include a cozy library with fireplace, formal dining room, breakfast nook, spacious family room and first-floor bedroom. The family room also offers the potential to be converted into a first-floor primary suite. Primary suite offers a spa-inspired steam shower and a private lakeside balcony. Partially finished basement with additional full bath, provides additional living. Impressive 4-car detached garage with loft area offers endless possibilities for storage. Additional features include a whole-house generator, sprinkler system and security. This remarkable property combines elegance, privacy, and the unmatched beauty of lakefront living.
Source: SparkMLS
About this home
This 4-bedroom, 4-bath, 4,730 sq ft home built in 1991 sits in St Clair Shores in Saint Clair Shores.
Asking $1,299,000 (about $275/sq ft).
Property tax estimate: $23,746 per year ($1,979/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
Bedrooms4
Bathrooms4
Living Area4,730 sqft
Lot Size0.99 acres
Year Built1991
Stories2
Location
CitySaint Clair Shores
MunicipalitySaint Clair Shores City
Zip Code48082
CountyMacomb
School DistrictLakeshore (St. Clair)
Construction & Systems
ConstructionBrick, Stone
BasementCrawl Space
Garage4 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Finished, Generator, Hot Tub Spa, Humidifier, Security System
Sale & Financing
Listed5/20/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$23,746
State Equalized Value$514,600
Taxable Value$499,596
Parcel #14-02-430-016
Source: Public Records
Legal Description
ASSESSOR'S PLAT NO. 35 (L15, P26) S 82' OF LOT 16 ALSO ADJ FILLED LANDS TO THE EAST
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Jan Hays
Max Broock, REALTORS®-Bloomfield Hills
Frequently Asked Questions about 32630 JEFFERSON Avenue, Saint Clair Shores, MI 48082
What school district is 32630 JEFFERSON Avenue, Saint Clair Shores, MI 48082 in?
Per MLS# 20261036176, this property is served by Lakeshore (St. Clair). In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 20261036176, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, 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# 20261036176, the most recent reported annual property tax for 32630 JEFFERSON Avenue, Saint Clair Shores, MI 48082 is $23,746. 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 32630 JEFFERSON Avenue, Saint Clair Shores, MI 48082 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, 32630 JEFFERSON Avenue, Saint Clair Shores, MI 48082 is in flood zone AE (high risk). Flood insurance is required for federally-backed mortgages in this zone. 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: Consumers Energy Company. Sewer: Public. Water: Public. 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$8,425
Principal & interest$8,425
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
32630 JEFFERSON Avenue, Saint Clair Shores, MI 48082
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Municipality
St Clair Shores
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County
Macomb County
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