1104 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 1104 E Commerce St, Milford, MI 48381

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,680 sqft · built 2015
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Jan 2000)
Tax Bill	$11,083 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`LM-16-11-253-037`

Property Details

APN / Parcel Number

Primary APN	`LM-16-11-253-037`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	3,680 sqft Living Area
1st Floor Area	2,876 sqft
Basement Area	2,876 sqft
Unfinished Basement	2,876 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	40,511 sqft (0.93 acres)
Garage Area	595 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	922 sqft
Deck Area	354 sqft
Patio Area	946 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1104 E COMMERCE ST
City	MILFORD
State	MI
Zip	48381-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T2N, R7E, SEC 11 PART OF NE 1/4 BEG AT PT DIST S 01-27-20 E 10 FT FROM SW COR OF LOT 1 OF 'PEACH HILL SUB', TH N 89-28-00 E 225 FT, TH S 01-27-20 E 218.42 FT, TH S 89-28-40 W 159 FT, TH N 01-27-20 W 136.83 FT, TH S 89-28-40 W 66 FT, TH N 01-27-20 W 8
Legal Range	07E
Legal Township	02N
Legal Section	11
Legal Subdivision	PEACH HILL
Legal Lot Number	1
Jurisdiction	OAKLAND MI
Township / Civil Division	MILFORD
Census Block Group	1
Census Block	1000
Census Tract	132500

Owner

Source: Oakland County records, as of May 27, 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 Record
Mailing Address	1104 E COMMERCE ST, MILFORD, MI 48381-1732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage LEVEL ONE BANK
May 10, 2017	Deed of Trust, Mortgage · ARM LEVEL ONE BANK
Oct 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage LEVEL ONE BANK
Feb 23, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2000 · Amount on Record
Deed Sale	Jan 4, 2000 · Amount on Record
Prior Sale	Aug 13, 1997 · Amount on Record
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1104 E COMMERCE ST, MILFORD, MI 48381-1732
Transaction Type	Mortgage
Record Updated	Sep 22, 2023
Title Company	TITLE ONE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1101 E COMMERCE ST, MILFORD, MI 48381-1733

Mortgage

Document Number	0000080242
Date	Mar 30, 2021
Book Page	55970/211
Instrument	80242

Lender

Name	LEVEL ONE BANK
Type	Bank
Address	FARMINGTON, MI 48334

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1104 E COMMERCE ST, MILFORD, MI 48381-1732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092479
Date	May 10, 2017
Book Page	50653/00564
Instrument	092479

Lender

Name	LEVEL ONE BANK
Type	Bank
Address	FARMINGTON, MI 48334

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1104 E COMMERCE ST, MILFORD, MI 48381-1732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000169822
Date	Oct 14, 2019
Book Page	53372/00887
Instrument	169822

Lender

Name	LEVEL ONE BANK
Type	Bank
Address	FARMINGTON, MI 48334

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2029

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 23, 2017
Property Address	1104 E COMMERCE ST, MILFORD, MI 48381-1732
Document Number	0000034486
Book / Page	050412 / 000152
Instrument Date	Feb 23, 2017
Instrument	34486
Transaction Type	Transfer
Record Updated	Feb 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 E COMMERCE ST MILFORD MI 483811732, MILFORD, MI 48381-1732

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,083.00 (-10.45%) Homeowner's exemption	$524,820 (+13.91%)	$1,049,640 (+13.91%)
2024	$12,376.00 (+24.67%)
2023		$460,740	$921,480
2021	$9,927.00

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

Flood

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

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 MILFORD serves 6,366 people · EPA ID MI0004390
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, 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 425 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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