1227 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 1227 E Commerce St, Milford, MI 48381

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,517 sqft · built 1946
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jul 2019)
Tax Bill	$3,530 (2025)
Deeds & Mortgages	Mar 2023 Transfer Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`LM-16-11-202-007`

Property Details

APN / Parcel Number

Primary APN	`LM-16-11-202-007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,517 sqft Living Area
1st Floor Area	1,517 sqft
Basement Area	1,517 sqft
Unfinished Basement	1,517 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	157 ft deep x 50 ft wide
Terrain	Rolling
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Pool Area	800 sqft
Deck Area	42 sqft
Patio Area	346 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1227 E COMMERCE ST
City	MILFORD
State	MI
Zip	48381-1735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T2N, R7E, SEC 11 MOORE'S SUB. LOT 47
Legal Range	07E
Legal Township	02N
Legal Section	11
Legal Subdivision	MOORE'S SUB
Legal Lot Number	47
Jurisdiction	OAKLAND MI
Township / Civil Division	MILFORD
Census Block Group	3
Census Block	3008
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	2 Individual Names on Record
Mailing Address	1227 E COMMERCE ST, MILFORD, MI 48381-1735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2023	Intrafamily Transfer, Transfer
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage STAUNTON FINANCIAL INC
Jul 1, 2019	Warranty Deed, Transfer · VA Mortgage STAUNTON FLNANCIAL INC
Aug 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2019 · Amount on Record
Deed Sale	Jul 1, 2019 · Amount on Record
Prior Sale	Jul 9, 2013 · Amount on Record
Deed Document Number	2019104712
Deed Book / Page	52982 / 896
Last Transfer Date	Mar 2, 2023
Transfer Doc	0000023184
Record Updated	Sep 20, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Mar 9, 2023
Property Address	1227 E COMMERCE ST, MILFORD, MI 48381-1735
Document Number	0000023184
Book / Page	58468 / 82
Map Reference	LB 25 PG 22
Instrument Date	Mar 2, 2023
Instrument	23184
Transaction Type	Transfer
Record Updated	Sep 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1227 E COMMERCE ST, MILFORD, MI 48381-1735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1227 E COMMERCE ST, MILFORD, MI 48381-1735
Investor	Possibly a Property Investor

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1227 E COMMERCE ST, MILFORD, MI 48381-1735
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1227 E COMMERCE ST, MILFORD, MI 48381-1735

Mortgage

Document Number	0000245116
Date	Nov 19, 2020
Book Page	55206/827
Instrument	245116

Lender

Name	STAUNTON FINANCIAL INC
Type	Non-Lending Institution
Address	SOUTHFIELD, MI 48075

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 1, 2019
Property Address	1227 E COMMERCE ST, MILFORD, MI 48381-1735
Document Number	0000104712
Book / Page	52982 / 00896
Map Reference	LB 25 PG 22
Instrument Date	Jun 26, 2019
Instrument	104712
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1227 E COMMERCE ST, 1227, MILFORD, MI 48381-1735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	738 E LIBERTY ST, MILFORD, MI 48381-2052

Mortgage

Document Number	5298300001
Date	Jul 1, 2019
Instrument	52983/00001

Lender

Name	STAUNTON FLNANCIAL INC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1227 E COMMERCE ST, MILFORD, MI 48381-1735
Document Number	0000136510
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Sep 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1227 E COMMERCE ST MILFORD MI 483811735, MILFORD, MI 48381-1735

Mortgage

Document Number	0000136510
Date	Aug 16, 2018
Book Page	052100/000691
Instrument	136510

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2048

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of February 4, 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	$3,530.00 (-10.45%) Homeowner's exemption	$136,140 (+10.67%)	$272,280 (+10.67%)
2024	$3,942.00 (+24.67%)
2023		$123,010	$246,020
2021	$3,162.00

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

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	Indirect 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	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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