1118 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 1118 E Commerce St, Milford, MI 48381

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,082 sqft · built 1993
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$332,500 (Jun 2024)
Tax Bill	$4,132 (2025)
Deeds & Mortgages	Jun 2024 Sale & Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`LM-16-11-206-006`

Property Details

APN / Parcel Number

Primary APN	`LM-16-11-206-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,082 sqft Living Area
1st Floor Area	1,067 sqft
Basement Area	1,067 sqft
Unfinished Basement	1,067 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2023
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Terrain	Rolling
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1118 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 PEACH HILL SUB LOT 1
Legal Range	07E
Legal Township	02N
Legal Section	11
Legal Subdivision	PEACH HILL SUB
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	Individual Name on Record
Mailing Address	2554 CANVAS BACK LN, WALLED LAKE, MI 48390-5460
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 17, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Jun 21, 2022	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Oct 30, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2024 · Amount on Record
Deed Sale	Jun 17, 2024 · Amount on Record
Prior Sale	Jun 21, 2022 · Amount on Record
Deed Document Number	202467413
Deed Book / Page	59431 / 149
Record Updated	Oct 29, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 17, 2024
Property Address	1118 E COMMERCE ST, MILFORD, MI 48381-1732
Document Number	0000067413
Book / Page	59431 / 149
Map Reference	LB 62 PG 18
Instrument Date	May 31, 2024
Instrument	67413
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	CAPITAL TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,493.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1118 E COMMERCE ST, MILFORD, MI 48381-1732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 E COMMERCE ST, MILFORD, MI 48381-1732

Mortgage

Document Number	0000067429
Date	Jun 17, 2024
Instrument	67429

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2054

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1118 E COMMERCE ST, MILFORD, MI 48381-1732
Transaction Type	Mortgage
Record Updated	May 1, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 E COMMERCE ST, MILFORD, MI 48381-1732

Mortgage

Document Number	0000042602
Date	Apr 17, 2024
Book Page	59295/289
Instrument	42602

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	DALLAS, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Jul 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 21, 2022
Property Address	1118 E COMMERCE ST, MILFORD, MI 48381-1732
Document Number	0000400810
Book / Page	57873 / 836
Map Reference	LB 62 PG 18
Instrument Date	Jun 14, 2022
Instrument	400810
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,987.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1118 ECOMMERCE ST, MILFORD, MI 48381

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 E COMMERCE ST, MILFORD, MI 48381-1732

Mortgage

Document Number	0057873838
Date	Jun 21, 2022
Instrument	57873/838

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1118 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	0000200376
Date	Oct 30, 2017
Book Page	51229/00835
Instrument	200376

Lender

Name	PNC BANK NA
Type	Bank
Address	WIXOM, MI 48393

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$4,132.00 (-2.89%) Homeowner's exemption	$138,490 (+17.38%)	$276,980 (+17.38%)
2024	$4,255.00 (+152.37%)
2023		$117,980	$235,960
2021	$1,686.00

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.

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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