1243 Ruby Ave, Rochester Hills, MI 48309 Property Records

Oakland County property record for 1243 Ruby Ave, Rochester Hills, MI 48309

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 2001
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,547 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`70-15-33-427-003`

Property Details

APN / Parcel Number

Primary APN	`70-15-33-427-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Unfinished Basement	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	406 ft deep x 75 ft wide

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Deck Area	434 sqft
Patio Area	434 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1243 RUBY AVE
City	ROCHESTER HILLS
State	MI
Zip	48309-4349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T3N, R11E SEC 33 HOMESTEAD ACRES LOT 26
Legal Range	11E
Legal Township	03N
Legal Section	33
Legal Subdivision	HOMESTEAD ACRES
Legal Lot Number	26
Jurisdiction	OAKLAND MI
Township / Civil Division	ROCHESTER HILLS
Census Block Group	3
Census Block	3003
Census Tract	194600

Owner

Source: Oakland County records, as of August 4, 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	1243 RUBY AVE, ROCHESTER HILLS, MI 48309-4349
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage GENISYS CREDIT UNION
Aug 20, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2001
Deed Sale	Jan 5, 2001
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Jul 24, 2026
Property Address	1243 RUBY AVE, ROCHESTER HILLS, MI 48309-4349
Document Number	0000110942
Book / Page	61399 / 842
Instrument Date	Jul 15, 2026
Instrument	2026110942
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1243 RUBY AVE, ROCHESTER HILLS, MI 48309-4349

Mortgage

Document Number	0000110942,
Date	Jul 24, 2026
Book Page	61399/842
Instrument	2026110942

Lender

Name	GENISYS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 20, 2036

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1243 RUBY AVE, ROCHESTER HILLS, MI 48309-4349
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1243 RUBY AVE, ROCHESTER HILLS, MI 48309-4349

Mortgage

Document Number	0000166147
Date	Aug 20, 2020
Book Page	54688/547
Instrument	166147

Lender

Name	PNC BANK NA
Type	Bank
Address	ROCHESTER, MI 48307

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Rochester Hills City
Unified School District	Avondale School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,547.00 (-39.74%)
2022	$2,567.00	$115,630	$231,260

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 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	ROCHESTER HILLS serves 74,000 people · EPA ID MI0000325
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Apr 2025
Lead	1 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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Nearby Properties on Ruby Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures