Oakland County property record for 1120 E 3rd St, Royal Oak, MI 48067
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,603 sqft · built 1945 |
| Lot Size | 0.158 acres (6,882 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (Dec 2019) |
| Tax Bill | $5,672 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 72-25-22-206-006 |
| Primary APN | 72-25-22-206-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,603 sqft Living Area |
| 1st Floor Area | 1,557 sqft |
| Basement Area | 863 sqft |
| Unfinished Basement | 1,557 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,882 sqft (0.158 acres) |
| Lot Dimensions | 156 ft deep x 44 ft wide |
| Porch | Slab |
| Porch Area | 25 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1120 E 3RD ST |
|---|---|
| City | ROYAL OAK |
| State | MI |
| Zip | 48067-2953 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ONE FAM |
| Legal Description | T1N, R11E, SEC 22 FOURTH AVENUE SUB LOT 488 |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 22 |
| Legal Subdivision | FOURTH AVENUE SUB |
| Legal Lot Number | 488 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | ROYAL OAK |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 184400 |
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 | 1120 E 3RD ST, ROYAL OAK, MI 48067-2953 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2021 | Deed of Trust, Mortgage · Line of Credit MICHIGAN SCHOOLS & GOVERNMENT CU |
| Feb 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Dec 18, 2019 | Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2019 · Amount on Record |
| Deed Sale | Dec 18, 2019 · Amount on Record |
| Prior Sale | Feb 11, 1998 |
| Deed Document Number | 2019211676 |
| Deed Book / Page | 53625 / 718 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1120 E 3RD ST, ROYAL OAK, MI 48067-2953 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1120 E 3RD ST, ROYAL OAK, MI 48067-2953 |
| Document Number | 0000230652 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 56911/383 |
| Instrument | 230652 |
| Name | MICHIGAN SCHOOLS & GOVERNMENT CU |
|---|---|
| Type | Credit Union |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 26, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1120 E 3RD ST, ROYAL OAK, MI 48067-2953 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1120 E 3RD ST, ROYAL OAK, MI 48067-2953 |
| Document Number | 0000041304 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 55703/78 |
| Instrument | 41304 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Dec 18, 2019 |
| Property Address | 1120 E 3RD ST, ROYAL OAK, MI 48067-2953 |
| Document Number | 0000211676 |
| Book / Page | 053625 / 000718 |
| Instrument Date | Dec 10, 2019 |
| Instrument | 211676 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2020 |
| Title Company | CISLO TITLE, CISLO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,225.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 626 E FARNUM AVE ROYAL OAK MI 480671977, ROYAL OAK, MI 48067-1977 |
| Document Number | 211677 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 053625/000721 |
| Instrument | 211677 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2049 |
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Royal Oak City |
| Unified School District | Royal Oak City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,672.00 (-22.08%) Homeowner's exemption | $217,810 | $435,620 |
| 2024 | $7,279.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ROYAL OAK serves 57,236 people · EPA ID MI0005830 |
|---|---|
| Water Source | Purchased surface water from SOUTHEASTERN OAKLAND CO W AUTH |
| Last State Inspection | May 2025 |
| Lead | 4 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 898 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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