Schools
Chesterfield Township is served mainly by the Anchor Bay School District and L'Anse Creuse Public Schools, with a small northern area in New Haven Community Schools, so confirm the district for the specific address.
Macomb County, Michigan
Mortgage Broker in Chesterfield Township, MI
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Buying a home in Chesterfield Township
Chesterfield Township is a charter township in eastern Macomb County on Anchor Bay, the northern arm of Lake St. Clair, home to about 47,100 residents in the Census Bureau's 2024 estimate. Organized in 1842 from part of Macomb Township, Chesterfield Township became a charter township in 1989. The southeast side along Anchor Bay is boating country, with docks, marinas and canal homes, while the rest of the township is mostly suburban subdivisions and shopping along Gratiot Avenue and 23 Mile Road. Downtown Detroit is about 27 miles southwest, and the median household income in Chesterfield Township is near $91,500.
By the numbers
Chesterfield Township housing and mortgage snapshot
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
$296,000
Typical home value, from the market research on this page
+38%
Typical rise in taxable value the year after a home sells, 2026 Uncapping Study
1.22%
Effective property tax rate, as a share of value
2
Residential ZIP codes: 48047, 48051
What financing looks like in Chesterfield Township
Waterfront changes the loan file: near Anchor Bay, check the FEMA flood map for the address early, because flood insurance is required on a federally backed loan in a Special Flood Hazard Area and the premium is part of the payment. Most Chesterfield Township homes finance well inside the 2026 conforming limit of $832,750, so conventional, FHA and VA are all in play. The year after a Michigan home sells, its taxable value resets to half of the assessor's market value, so the seller's tax bill is not your tax bill. We run the numbers with your actual taxes and insurance before you write an offer.
Nearly every Chesterfield Township purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.
The market
The Chesterfield Township housing market
The typical home value in Chesterfield Township is near $295,700, the median for owner-occupied homes in the Census Bureau's American Community Survey, which counts about 15,200 owner-occupied homes here. The median year built is 1994, so much of the stock is newer construction in subdivisions of colonials and ranches, with waterfront and canal homes near Anchor Bay. Homeowners pay a median of about $3,610 a year in property taxes, an effective property tax rate of about 1.22% of the median value.
Where to look
Chesterfield Township neighborhoods
Anchor Bay Shores
off Jefferson Avenue between William P. Rosso Highway and 21 Mile Road, near the water.
Anchor Bay Harbor
on Jefferson Avenue between Sugarbush and Cotton roads.
Chesterfield Shores
near the New Baltimore line, north of Jefferson Avenue and south of 23 Mile Road.
Lottivue
between Jefferson Avenue, Lake St. Clair, Brandenburg Park and Schneider Road.
Schools and commute
Commute
Downtown Detroit is about 27 miles southwest.
Michigan property taxes
Chesterfield Township property taxes after you buy
The year after a Michigan home sells, its taxable value resets to half of the assessor's market value, so the seller's tax bill is not your tax bill.
In Chesterfield Township, our 2026 Uncapping Study found taxable value typically rises about 38% the year after a sale: roughly $1,480 more in first-year tax on a $300,000 home at the local homestead millage. We build your payment on that post-sale number.
In Samantha's words
I'd much rather somebody ask me, "Why are your taxes higher than what I'm seeing online?" than have them build a housing budget around the wrong assumption.
Local resources
Check Chesterfield Township records yourself
The official offices behind the tax and school details on this page.
- Chesterfield Township Assessing Department, for parcel records and current taxable value
- Anchor Bay School District, for district boundaries and enrollment
- Macomb County Equalization Department, for county property tax records
What our clients say
★★★★★
Travis and the team at Align Lending are hands down the best mortgage option for anyone looking to buy or refinance. Travis spent as much time as it took to be sure I was in the best spot to buy a house and stuck with me through it all. I am so proud of my home and none of it would have been possible without Travis.
★★★★★
Very professional and knowledgeable, highly recommend for your lending needs!
★★★★★
Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend
★★★★★
Samantha is a rockstar. We had an unusual situation with our lending and she went above and beyond to help us get our mortgage approved. I truly feel that if we had worked with any other lender or broker, we would not have been able to close on time, or maybe at all. I am beyond happy with the work Samantha did for us and how she handled the entire process. I cannot say enough good things about the work she did for me and my husband. I will be recommending Align Lending and Samantha to anyone that needs a lender.
★★★★★
Just bought my first home and Ryan Greiner made the mortgage process incredibly quick and easy to understand. He worked hand in hand with my realtor and made sure everything I needed was ready when it had to be. Definitely reccomend Align Lending and Ryan both!
★★★★★
As first time homebuyers we made sure to do our research before choosing a mortgage broker. We decided to go with Align Lending and could not have made a better choice. We worked with Samantha and she made the entire process smooth and easy. The customer service was top notch! The professional, yet caring approach was just what we were looking. We highly recommend Align Lending!
Individual experiences. Results vary.
Chesterfield Township mortgage questions
If yours is not here, ask it on the call. There are no dumb questions.
What is the typical home value in Chesterfield Township, MI?
The Census Bureau’s American Community Survey puts the median owner-occupied home value near $295,700. Waterfront and canal homes near Anchor Bay usually price above that.
What ZIP codes cover Chesterfield Township?
Chesterfield Township is mainly in ZIP codes 48047 and 48051, and some addresses carry a New Baltimore mailing address.
Do I need flood insurance near Anchor Bay?
Only if the home is in a FEMA Special Flood Hazard Area and the loan is federally backed. Many waterfront homes sit outside those zones, so check the map by address before you budget.
How will my property taxes change after I buy?
The year after a Michigan home sells, its taxable value resets to half of the assessor’s market value, so the seller’s tax bill is not your tax bill. Chesterfield Township homeowners pay a median of about $3,610 a year, and we estimate the post-sale figure for the home you choose.
Which schools serve Chesterfield Township?
The Anchor Bay School District and L’Anse Creuse Public Schools serve most of the township, with a small area in New Haven Community Schools. Confirm the district for the specific address.
Communities near Chesterfield Township
Macomb County overviewTalk with a local mortgage expert
Tell Samantha what you are trying to do in Chesterfield Township and she will tell you what actually matters for your situation, including whether the timing is right.
- 1
Tell us what you are trying to do
Not what product you want. What you are actually trying to accomplish.
- 2
We look at your situation
A licensed Align loan officer works out what matters most for you specifically.
- 3
You leave with a plan
Your options, the tradeoffs, and your next step. No obligation to go further.
Align Lending LLC, NMLS #2041154. Samantha Shelton, NMLS 1647301. Equal Housing Opportunity. Licensed in Michigan, Ohio, North Carolina, Florida, Louisiana and Texas. Figures on this page are market research for orientation, not a quote. This page is for educational purposes only. It is not a credit decision, a preapproval, a commitment to lend, or an offer of credit.
