Oakland County property record for 1092 Ridgedale Ave, Birmingham, MI 48009
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,642 sqft · built 1924 |
| Lot Size | 0.161 acres (7,013 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $685,000 (Sep 2019) |
| Tax Bill | $12,322 (2025) |
| Deeds & Mortgages | May 2026 Construction Loan Oct 2023 Line of Credit + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-25-485-005 |
| Primary APN | 08-19-25-485-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,642 sqft Living Area |
| 1st Floor Area | 1,750 sqft |
| Basement Area | 1,244 sqft |
| Unfinished Basement | 1,244 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Bungalow |
| Exterior Material | Stucco |
| Foundation Type | No Foundation |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,013 sqft (0.161 acres) |
| Lot Dimensions | 135 ft deep x 52 ft wide |
| Garage Area | 404 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 66 sqft |
| Deck Area | 390 sqft |
| Patio Area | 390 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1092 RIDGEDALE AVE |
|---|---|
| City | BIRMINGHAM |
| State | MI |
| Zip | 48009-5769 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T2N, R10E, SEC 25 POPPLETON HEIGHTS SUB LOT 1 |
| Legal Range | 10E |
| Legal Township | 02N |
| Legal Section | 25 |
| Legal Subdivision | POPPLETON HEIGHTS SUB |
| Legal Lot Number | 1 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | BIRMINGHAM |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 153100 |
1092 Ridgedale Ave is owned and occupied by two individuals who bought it in September 2019.
Source: Oakland County records, as of August 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · Construction Mortgage HUNTINGTON NATIONAL BANK |
| Oct 18, 2023 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Feb 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Aug 6, 2021 | Deed of Trust, Mortgage · Line of Credit SUPERIOR NATIONAL BANK |
| Dec 7, 2021 | Deed of Trust, Mortgage ROCKET MORTGAGE LLC |
| Jan 6, 2020 | Deed of Trust, Mortgage · Line of Credit MAIN STREET BANK |
| Aug 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Sep 10, 2019 | Warranty Deed, Transfer INDEPENDENT TITLE, INDEPENDENT TITLE SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2019 · Amount on File |
| Deed Sale | Sep 10, 2019 · Amount on File |
| Prior Sale | Dec 3, 2010 · Amount on File |
| Deed Document Number | 2019147558 |
| Deed Book / Page | 53235 / 166 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | May 12, 2026 |
| Property Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Document Number | 20260063803 |
| Book / Page | 61185 / 842 |
| Instrument Date | May 1, 2026 |
| Instrument | 202663803 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Document Number | 0000063803, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 61185/842 |
| Instrument | 202663803 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Document Number | 0000114391 |
|---|---|
| Date | Oct 18, 2023 |
| Book Page | 58949/332 |
| Instrument | 114391 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 5, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Document Number | 0000031779 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 55642/707 |
| Instrument | 31779 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Document Number | 0000193208 |
|---|---|
| Date | Aug 6, 2021 |
| Book Page | 56660/334 |
| Instrument | 193208 |
| Name | SUPERIOR NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | HANCOCK, MI 49930 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Document Number | 0000269423 |
|---|---|
| Date | Dec 7, 2021 |
| Book Page | 57149/505 |
| Instrument | 269423 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount on Record |
|---|---|
| Term | 358 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Type Change Date | Dec 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.37% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CISLO TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000001807 |
|---|---|
| Date | Jan 6, 2020 |
| Book Page | 53661/00763 |
| Instrument | 001807 |
| Name | MAIN STREET BANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, MI 48025 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Document Number | 0000160306 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 54649/598 |
| Instrument | 160306 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 10, 2019 |
| Property Address | 1092 RIDGEDALE AVE, BIRMINGHAM, MI 48009-5769 |
| Document Number | 0000147558 |
| Book / Page | 053235 / 000166 |
| Instrument Date | Sep 9, 2019 |
| Instrument | 147558 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2019 |
| Title Company | INDEPENDENT TITLE, INDEPENDENT TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Tax | $5,891.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1092 RIDGEDALE AVE BIRMINGHAM MI 480095769, BIRMINGHAM, MI 48009-5769 |
The 2025 property tax bill for 1092 Ridgedale Ave was $12,322 with a homeowner's exemption, down 9.8% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Birmingham City |
| County | Oakland County |
| Unified School District | Birmingham City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,322.00 (-9.78%) Homeowner's exemption | $390,140 | $780,280 |
| 2024 | $13,658.00 | ||
| 2023 | $337,140 | $674,280 | |
| 2021 | $12,985.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1092 Ridgedale Ave in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1983.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 10 (1983–1997) |
| Claims Outside the SFHA | 6 of 10 |
| Most Recent Claim | Jul 1997 · Severe Storms, Tornadoes,and Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 1092 Ridgedale Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BIRMINGHAM serves 20,472 people · EPA ID MI0000730 |
|---|---|
| Water Source | Purchased surface water from SOUTHEASTERN OAKLAND CO W AUTH |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2023 |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system, 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.
Source: FCC Broadband Data Collection, based on 431 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures