Oakland County property record for 1189 Cole St, Birmingham, MI 48009
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,047 sqft · built 2016 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $535,000 (Jan 2017) |
| Tax Bill | $11,407 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-20-31-154-033 |
| Primary APN | 08-20-31-154-033 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,047 sqft Living Area |
| 1st Floor Area | 643 sqft |
| Basement Area | 1,042 sqft |
| Unfinished Basement | 1,042 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 186 sqft |
| Deck Area | 49 sqft |
| Patio Area | 49 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1189 COLE ST |
|---|---|
| City | BIRMINGHAM |
| State | MI |
| Zip | 48009-7052 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T2N, R11E, SEC 31 LEINBACH-HUMPHREY'S WOODWARD AVE SUB LOT 233 |
| Legal Range | 11E |
| Legal Township | 02N |
| Legal Section | 31 |
| Legal Subdivision | LEINBACH-HUMPHREY'S WOODWARD AVE SUB |
| Legal Lot Number | 233 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | BIRMINGHAM |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 152900 |
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 | 1189 COLE ST, BIRMINGHAM, MI 48009-7052 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK |
| Apr 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LEVEL ONE BANK |
| Jan 19, 2017 | Warranty Deed, Transfer · Line of Credit TCF NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 19, 2017 · Amount on Record |
| Deed Sale | Jan 19, 2017 · Amount on Record |
| Prior Sale | Jul 29, 2015 · Amount on Record |
| Deed Document Number | 201711436 |
| Deed Book / Page | 50300 / 296 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1189 COLE ST, BIRMINGHAM, MI 48009-7052 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1189 COLE ST, BIRMINGHAM, MI 48009-7052 |
| Document Number | 0000486855 |
|---|---|
| Date | Dec 28, 2022 |
| Book Page | 58340/705 |
| Instrument | 486855 |
| Name | FIRST MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | NOVI, MI 48377 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 16, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1189 COLE ST, BIRMINGHAM, MI 48009-7052 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000085953 |
|---|---|
| Date | Apr 30, 2020 |
| Book Page | 54151/257 |
| Instrument | 85953 |
| Name | LEVEL ONE BANK |
|---|---|
| Type | Bank |
| Address | FARMINGTON, MI 48334 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | May 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8% |
| Index | 1-Year LIBOR |
| Max Rate | 8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jan 19, 2017 |
| Property Address | 1189 COLE ST, BIRMINGHAM, MI 48009-7052 |
| Document Number | 0000011436 |
| Book / Page | 50300 / 00296 |
| Map Reference | LB27 PG5 |
| Instrument Date | Jan 12, 2017 |
| Instrument | 011436 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | TITLE ONE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,601.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 711 E 4TH ST, 711, ROYAL OAK, MI 48067-2803 |
| Name | Verified Name |
|---|---|
| Address | 1189 COLE ST, BIRMINGHAM, MI 48009-7052 |
| Document Number | 0000011438 |
|---|---|
| Date | Jan 19, 2017 |
| Instrument | 011438 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 23, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Jan 1, 2018 |
| Change Frequency | Monthly |
| Document Number | 0000011437 |
|---|---|
| Date | Jan 19, 2017 |
| Book Page | 50300/00298 |
| Instrument | 011437 |
| Name | MB FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Address | ANN ARBOR, MI 48105 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Feb 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.25% |
| Index | 1-Year LIBOR |
| Max Rate | 8.25% |
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Birmingham City |
| County | Oakland County |
| Unified School District | Birmingham City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,407.00 (-9.78%) Homeowner's exemption | $411,240 (+17.63%) | $822,480 (+17.63%) |
| 2024 | $12,644.00 (+9.28%) | ||
| 2023 | $349,590 | $699,180 | |
| 2021 | $11,570.00 |
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 | 5 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 | Not rated no burnable land within ember reach |
|---|
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 | BIRMINGHAM serves 20,472 people · EPA ID MI0000730 |
|---|---|
| Water Source | Purchased surface water from SOUTHEASTERN OAKLAND CO W AUTH |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2023 |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 864 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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