120 E Lawrence Ave, Royal Oak, MI 48073 Property Records

Oakland County property record for 120 E Lawrence Ave, Royal Oak, MI 48073

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,228 sqft · built 1940
Lot Size	0.155 acres (6,752 sqft)
Owner	2 Individual Names on File
Last Sale	$359,900 (Nov 2021)
Tax Bill	$5,199 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jan 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`72-25-10-103-038`

Property Details

APN / Parcel Number

Primary APN	`72-25-10-103-038`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,228 sqft Living Area
1st Floor Area	1,006 sqft
Basement Area	850 sqft
Finished Basement	1,006 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,752 sqft (0.155 acres)
Lot Dimensions	135 ft deep x 50 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	107 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	120 E LAWRENCE AVE
City	ROYAL OAK
State	MI
Zip	48073-3448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ONE FAM
Legal Description	T1N, R11E, SEC 10 EMLO PARK SUB LOT 81 1-12-94 FR 036
Legal Range	11E
Legal Township	01N
Legal Section	10
Legal Subdivision	EMLO PARK
Legal Lot Number	1,81
Jurisdiction	OAKLAND MI
Township / Civil Division	ROYAL OAK
Census Block Group	1
Census Block	1002
Census Tract	183800

Owner

120 E Lawrence Ave is owned and occupied by two individuals who bought it in November 2021.

Source: Oakland County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 E LAWRENCE AVE, ROYAL OAK, MI 48073-3448
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE LLC
Jan 30, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 12, 2021	Quit Claim Deed, Transfer HOMEFINITY
Aug 7, 2018	Warranty Deed, Transfer · Conventional with PMI LENDERFI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on File
Deed Sale	Nov 1, 2021 · Amount on File
Prior Sale	Aug 7, 2018 · Amount on File
Deed Document Number	2021250834
Deed Book / Page	57039 / 145
Prior Transfer Date	Dec 10, 2020
Prior Transfer Doc	0000009650
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 1, 2021
Property Address	120 E LAWRENCE AVE, ROYAL OAK, MI 48073-3448
Document Number	0000250834
Book / Page	57039 / 145
Map Reference	LB 13 PG 12
Instrument Date	Oct 20, 2021
Instrument	250834
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	PREMIER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 E LAWRENCE AVE, 120, ROYAL OAK, MI 48073-3448

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E LAWRENCE AVE, ROYAL OAK, MI 48073-3448

Mortgage

Document Number	0000251576
Date	Nov 1, 2021
Book Page	57044/61
Instrument	251576

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	120 E LAWRENCE AVE, ROYAL OAK, MI 48073-3448
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017442
Date	Jan 30, 2017
Book Page	50331/00810
Instrument	017442

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 17, 2047

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 12, 2021
Property Address	120 E LAWRENCE AVE, ROYAL OAK, MI 48073-3448
Document Number	0000009650
Book / Page	055492 / 000189
Instrument Date	Dec 10, 2020
Instrument	9650
Transaction Type	Transfer
Record Updated	Mar 17, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 E LAWRENCE AVE ROYAL OAK MI 480733448, ROYAL OAK, MI 48073-3448

Mortgage

Document Number	9651
Date	Jan 12, 2021
Book Page	055492/000192
Instrument	9651

Lender

Name	HOMEFINITY
Address	CARROLLTON, TX 75007

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jan 11, 2041

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 7, 2018
Property Address	120 E LAWRENCE AVE, ROYAL OAK, MI 48073-3448
Document Number	0000130948
Book / Page	052069 / 000634
Instrument Date	Jun 28, 2018
Instrument	130948
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	PREMIER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,602.55
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	326 W BRECKENRIDGE ST #B FERNDALE MI 482202089, B, FERNDALE, MI 48220-2089

Mortgage

Document Number	110806
Date	Aug 7, 2018
Book Page	051963/000127
Instrument	110806

Lender

Name	LENDERFI
Type	Funding / Finance Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 120 E Lawrence Ave was $5,199 with a homeowner's exemption, down 22.1% from the year before.

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Royal Oak City
Unified School District	Royal Oak City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,199.00 (-22.07%) Homeowner's exemption	$189,110	$378,220
2024	$6,671.00

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

Flood

FEMA maps place 120 E Lawrence Ave in Zone X, an area of minimal flood risk.

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	1 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.

Wildfire

The area around 120 E Lawrence Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 676 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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