11 West St, Oxford, MI 48371 Property Records

Oakland County property record for 11 West St, Oxford, MI 48371

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 810 sqft · built 1920
Lot Size	0.327 acres (14,244 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,153 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PO-04-27-126-002`

Property Details

APN / Parcel Number

Primary APN	`PO-04-27-126-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	810 sqft Living Area
1st Floor Area	810 sqft
Basement Area	740 sqft
Unfinished Basement	740 sqft
Game Room	Game Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	14,244 sqft (0.327 acres)
Lot Dimensions	173 ft deep x 82 ft wide
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	138 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	11 WEST ST
City	OXFORD
State	MI
Zip	48371-4675
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T5N, R10E, SEC 27 ASSESSOR'S PLAT NO 3 N 80 FT OF LOT 2
Legal Range	10E
Legal Township	05N
Legal Section	27
Legal Subdivision	ASSESSORS PLAT NO 3
Legal Lot Number	2
Jurisdiction	OAKLAND MI
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1007
Census Tract	121500

Owner

11 West St is owned and occupied by two individuals who acquired it in March 1996.

Source: Oakland County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11 WEST ST, OXFORD, MI 48371-4675
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER RATE MTG INC
Mar 2, 2017	Warranty Deed, Transfer · Conventional with PMI ROSS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 1996
Deed Sale	Mar 21, 1996
Prior Transfer Date	Dec 19, 1995
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	11 WEST ST, OXFORD, MI 48371-4675
Document Number	0000011233
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2021
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 WEST ST OXFORD MI 483714675, OXFORD, MI 48371-4675

Mortgage

Document Number	0000011233
Date	Jan 13, 2021
Book Page	055503/000316
Instrument	11233

Lender

Name	BETTER RATE MTG INC
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 2, 2017
Property Address	11 WEST ST, OXFORD, MI 48371-4675
Document Number	0000039522
Book / Page	050433 / 000516
Instrument Date	Feb 22, 2017
Instrument	39522
Transaction Type	Transfer
Record Updated	Oct 2, 2017
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$817.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 WEST ST OXFORD MI 483714674, OXFORD, MI 48371-4674

Mortgage

Document Number	39523
Date	Mar 2, 2017
Book Page	050433/000518
Instrument	39523

Lender

Name	ROSS MTG
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Mortgage

Document Number	0000039523
Date	Mar 2, 2017
Book Page	050433/000518
Instrument	39523

Lender

Name	ROSS MTG
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 11 West St was $2,153 with a homeowner's exemption, up 4.2% from the year before.

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Oxford Charter Township
Municipality	Oxford Village
Unified School District	Oxford Area Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,153.00 (+4.21%) Homeowner's exemption	$82,620	$165,240
2024	$2,066.00
2023		$72,900	$145,800
2021	$1,765.00

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

Flood

FEMA maps place 11 West St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

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

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

Wildfire

Wildfire risk around 11 West St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VILLAGE OF OXFORD serves 3,540 people · EPA ID MI0005130
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 ppb (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	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Mercury Fiber.

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