1020 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 1020 E Commerce St, Milford, MI 48381

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,515 sqft · built 1923
Lot Size	0.379 acres (16,509 sqft)
Owner	2 Individual Names on File
Last Sale	$153,000 (Sep 2012)
Tax Bill	$3,203 (2025)
Deeds & Mortgages	May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`LM-16-11-251-024`

Property Details

APN / Parcel Number

Primary APN	`LM-16-11-251-024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,515 sqft Living Area
1st Floor Area	1,244 sqft
Basement Area	903 sqft
Unfinished Basement	903 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	16,509 sqft (0.379 acres)
Lot Dimensions	83.3 ft deep x 132 ft wide
Garage Area	677 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	115 sqft
Patio Area	82 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	1020 E COMMERCE ST
City	MILFORD
State	MI
Zip	48381-1730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T2N, R7E, SEC 11 CHERRY HILL SUB LOTS 1 & 2
Legal Range	07E
Legal Township	02N
Legal Section	11
Legal Subdivision	CHERRY HILL SUB
Legal Lot Number	1-2
Jurisdiction	OAKLAND MI
Township / Civil Division	MILFORD
Census Block Group	1
Census Block	1003
Census Tract	132500

Owner

Source: Oakland County records · APN LM-16-11-251-024

Assessment roll updated January 21, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1020 E COMMERCE ST, MILFORD, MI 48381-1730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 06, 2012 · Amount on Record
Deed Sale	Sep 06, 2012 · Amount on Record
Deed Document Number	2012192203
Deed Book / Page	44631 / 594
Prior Transfer Date	Aug 03, 2012
Prior Transfer Doc	0000192203
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1020 E COMMERCE ST, MILFORD, MI 48381-1730
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 E COMMERCE ST, MILFORD, MI 48381-1730
Investor	Possibly a Property Investor

Mortgage

Document Number	0000386422
Date	May 25, 2022
Book Page	57793/297
Instrument	386422

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	JOHNSTON, RI 02919

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 01, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Milford Charter Township
Municipality	Milford Village
Unified School District	Huron Valley Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,203.00 (-10.43%) Homeowner's exemption	$174,890 (+17.38%)	$349,780 (+17.38%)
2024	$3,576.00 (+27.62%)
2023		$148,990	$297,980
2021	$2,802.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 8, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
123.Net Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 425 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VILLAGE OF MILFORD serves 6,366 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.