1238 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 1238 E Commerce St, Milford, MI 48381

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,091 sqft · built 1952
Lot Size	0.246 acres (10,716 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Apr 2026)
Tax Bill	$2,865 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LM-16-11-204-030`

Property Details

APN / Parcel Number

Primary APN	`LM-16-11-204-030`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,091 sqft Living Area
1st Floor Area	1,091 sqft
Basement Area	1,091 sqft
Unfinished Basement	1,091 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Block
Construction Type	Concrete Block
Lot Area	10,716 sqft (0.246 acres)
Lot Dimensions	125 ft deep x 51 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	52 sqft
Deck Area	74 sqft
Patio Area	74 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1238 E COMMERCE ST
City	MILFORD
State	MI
Zip	48381-1736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T2N, R7E, SEC 11 PEACH HILL SUB N 10 FT OF LOT 15, ALSO W 125 FT OF LOT 16, ALSO S 18.59 FT OF E 25 FT OF LOT 16, ALSO S 19.92 FT OF W 125 FT OF LOT 17 10-25-07 FR 028
Legal Range	07E
Legal Township	02N
Legal Section	11
Legal Subdivision	PEACH HILL SUB
Legal Lot Number	15
Jurisdiction	OAKLAND MI
Township / Civil Division	MILFORD
Census Block Group	1
Census Block	1000
Census Tract	132500

Owner

1238 E Commerce St is owned and occupied by an individual who bought it in April 2026.

Source: Oakland County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	511 BENSON AVE, MILFORD, MI 48381-1804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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
Apr 29, 2026	Warranty Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC
Dec 25, 2019	Quit Claim Deed, Mortgage · Conventional with PMI COMMUNITY CHOICE CU
Aug 25, 2017	Warranty Deed, Transfer · Conventional with PMI COMMUNITY CHOICE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026 · Amount on File
Deed Sale	Apr 29, 2026 · Amount on File
Prior Sale	Aug 25, 2017 · Amount on File
Deed Document Number	202657491
Deed Book / Page	61151 / 478
Prior Transfer Date	Sep 30, 2008
Prior Transfer Doc	0000183620
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 29, 2026
Property Address	1238 E COMMERCE ST, MILFORD, MI 48381-1736
Document Number	20260057491
Book / Page	61151 / 478
Instrument Date	Apr 24, 2026
Instrument	2026.57491
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$238,612.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 BENSON AVE, MILFORD, MI 48381-1804

Mortgage

Document Number	0000057492,
Date	Apr 29, 2026
Instrument	2026..57492

Lender

Name	STAUNTON FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

December 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 25, 2019
Property Address	1238 E COMMERCE ST, MILFORD, MI 48381-1736
Document Number	0000198274
Book / Page	053546 / 000177
Instrument Date	Nov 15, 2019
Instrument	198274
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	CHIRCO TITLE AGENCY INC, CHIRCO TITLE AGCY INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1238 E COMMERCE ST MILFORD MI 483811736, MILFORD, MI 48381-1736

Mortgage

Document Number	198275
Date	Dec 25, 2019
Book Page	053546/000178
Instrument	198275

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON HILLS, MI 48334

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Dec 24, 2039

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 25, 2017
Property Address	1238 E COMMERCE ST, MILFORD, MI 48381-1736
Document Number	0000160581
Book / Page	051009 / 000465
Instrument Date	Jul 31, 2017
Instrument	160581
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	PARTNERS TITLE AGENCY LLC, PARTNERS TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,092.00
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	2554 MASSENA ST COMMERCE TOWNSHIP MI 483823546, COMMERCE TOWNSHIP, MI 48382-3546

Mortgage

Document Number	160695
Date	Aug 25, 2017
Book Page	051010/000491
Instrument	160695

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON HILLS, MI 48334

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 24, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1238 E Commerce St was $2,865 with a homeowner's exemption, down 10.4% from the year before.

Source: Oakland County assessment roll, as of January 21, 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	$2,865.00 (-10.44%) Homeowner's exemption	$121,200	$242,400
2024	$3,199.00
2023		$110,670	$221,340
2021	$2,567.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1238 E Commerce St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1238 E Commerce St is low, with a 0.01% annual chance of 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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