Oakland County property record for 1125 E Commerce St, Milford, MI 48381
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,304 sqft · built 1966 |
| Lot Size | 0.122 acres (5,314 sqft) |
| Owner | Individual Name on File |
| Last Sale | $209,000 (Jun 2026) |
| Tax Bill | $2,267 (2021) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LM-16-11-203-016 |
| Primary APN | LM-16-11-203-016 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| 1st Floor Area | 1,304 sqft |
| Basement Area | 1,304 sqft |
| Unfinished Basement | 1,304 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Bungalow |
| Exterior Material | Block |
| Construction Type | Concrete Block |
| Roof Type | Gable |
| Lot Area | 5,314 sqft (0.122 acres) |
| Lot Dimensions | 151 ft deep x 35 ft wide |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1125 E COMMERCE ST |
|---|---|
| City | MILFORD |
| State | MI |
| Zip | 48381-1733 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T2N, R7E, SEC 11 MOORE'S SUB S 35 FT OF LOT 36 |
| Legal Range | 07E |
| Legal Township | 02N |
| Legal Section | 11 |
| Legal Subdivision | MOORE'S SUB |
| Legal Lot Number | 36 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | MILFORD |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 132500 |
Source: Oakland County records · APN LM-16-11-203-016
Assessment roll updated February 4, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 2202 MACLAREN DR, HIGHLAND, MI 48357-3690 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 02, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 23, 2026 | Warranty Deed, Transfer · FHA Mortgage FIRST STATE BANK |
| Jun 18, 2026 | Deed of Trust, Mortgage · FHA Mortgage FIRST STATE BANK |
| Jun 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN STATE HSNG DEV AUTH |
| Apr 22, 2022 | Warranty Deed, Transfer · VA Mortgage FLAGSTAR BANK FSB |
| Jul 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 23, 2026 · Amount on Record |
| Deed Sale | Jun 23, 2026 · Amount on Record |
| Prior Sale | Apr 22, 2022 · Amount on Record |
| Deed Document Number | 202688924 |
| Deed Book / Page | 61305 / 312 |
| Prior Transfer Date | Jul 07, 2016 |
| Prior Transfer Doc | 0000141774 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1125 E COMMERCE ST, MILFORD, MI 48381-1733 |
| Transaction Type | Mortgage |
| Record Updated | Jul 01, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1125 E COMMERCE ST, MILFORD, MI 48381-1733 |
| Document Number | 0000141648 |
|---|---|
| Date | Jun 02, 2021 |
| Book Page | 56323/334 |
| Instrument | 141648 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Aug 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 23, 2026 |
| Property Address | 1125 E COMMERCE ST, MILFORD, MI 48381-1733 |
| Document Number | 0000088924 |
| Book / Page | 61305 / 312 |
| Instrument Date | Jun 05, 2026 |
| Instrument | 202688924 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | ATA NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $158,317.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000087169, |
|---|---|
| Date | Jun 23, 2026 |
| Instrument | 202687169 |
| Name | FIRST STATE BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Number | 20260087170, |
|---|---|
| Date | Jun 18, 2026 |
| Book Page | 61299/713 |
| Instrument | 202687170 |
| Name | MICHIGAN STATE HSNG DEV AUTH |
|---|
| Amount | Amount Recorded |
|---|
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 18, 2026 |
| Property Address | 1125 E COMMERCE ST, MILFORD, MI 48381-1733 |
| Document Number | 0000087169 |
| Book / Page | 61299 / 696 |
| Instrument Date | Jun 05, 2026 |
| Instrument | 202687169 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000087169, |
|---|---|
| Date | Jun 18, 2026 |
| Book Page | 61299/696 |
| Instrument | 202687169 |
| Name | FIRST STATE BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 18, 2026 |
| Property Address | 1125 E COMMERCE ST, MILFORD, MI 48381-1733 |
| Document Number | 0000087170 |
| Book / Page | 61299 / 713 |
| Instrument Date | Jun 05, 2026 |
| Instrument | 202687170 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1125 E COMMERCE ST, MILFORD, MI 48381-1733 |
| Document Number | 0000087170, |
|---|---|
| Date | Jun 18, 2026 |
| Book Page | 61299/713 |
| Instrument | 202687170 |
| Name | MICHIGAN STATE HSNG DEV AUTH |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 22, 2022 |
| Property Address | 1125 E COMMERCE ST, MILFORD, MI 48381-1733 |
| Document Number | 0000370733 |
| Book / Page | 57707 / 272 |
| Map Reference | LB 25 PG 22 |
| Instrument Date | Apr 08, 2022 |
| Instrument | 370733 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2023 |
| Title Company | CISLO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,462.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1313 CASS LN E # E102, E102, WESTMONT, IL 60559-3117 |
| Name | Verified Name |
|---|---|
| Address | 1125 E COMMERCE ST, MILFORD, MI 48381-1733 |
| Investor | Possibly a Property Investor |
| Document Number | 0000366406 |
|---|---|
| Date | Apr 13, 2022 |
| Book Page | 57684/59 |
| Instrument | 366406 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1125 E COMMERCE ST, MILFORD, MI 48381-1733 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000134414 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 54480/458 |
| Instrument | 134414 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2050 |
Source: Oakland County records · Assessment roll updated February 4, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Milford Charter Township |
| Municipality | Milford Village |
| Unified School District | Huron Valley Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $113,900 | $227,800 | |
| 2021 | $2,267.00 |
Source: FEMA National Flood Hazard Layer as of December 8, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| 123.Net Fiber | 6,000 / 6,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 425 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VILLAGE OF MILFORD serves 6,366 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 4 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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