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1287 Cole St, Birmingham, MI 48009 Property Records

Oakland County property record for 1287 Cole St, Birmingham, MI 48009

Property Summary

Property TypeSingle Family Home
Details4 bd · 4.5 ba · 2,398 sqft · built 2010
Lot Size0.11 acres (4,792 sqft)
Owner2 Individual Names on Record
Last Sale$775,000 (Jul 2022)
Tax Bill$13,273 (2025)
Deeds & MortgagesJun 2026 Line of Credit
Jul 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN08-20-31-154-039

Property Details

APN / Parcel Number

Primary APN08-20-31-154-039

Interior

Bedrooms4 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures11 Plumbing Fixtures
Total Rooms8 Rooms
Stories2 Stories
Building Area2,398 sqft Living Area
1st Floor Area1,056 sqft
Basement Area1,056 sqft
Unfinished Basement1,056 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2010
Effective Year BuiltEffective 2010
Architectural StyleColonial
Exterior MaterialWood Siding
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area4,792 sqft (0.11 acres)
Lot Dimensions120 ft deep x 40 ft wide
Garage Area378 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area336 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address1287 COLE ST
CityBIRMINGHAM
StateMI
Zip48009-7047
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRI
Legal DescriptionT2N, R11E, SEC 31 LEINBACH-HUMPHREY'S WOODWARD AVE SUB LOT 227
Legal Range11E
Legal Township02N
Legal Section31
Legal SubdivisionLEINBACH-HUMPHREY'S WOODWARD AVE SUB
Legal Lot Number227
JurisdictionOAKLAND MI
Township / Civil DivisionBIRMINGHAM
Census Block Group2
Census Block2028
Census Tract152900

Owner

Source: Oakland County records, as of June 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1287 COLE ST, BIRMINGHAM, MI 48009-7047
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 10, 2026Deed of Trust, Mortgage · Line of Credit
MICHIGAN SCHOOLS AND GOV'T CREDIT UNION
Jul 26, 2022Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA
Jan 28, 2021Deed of Trust, Mortgage · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
Jul 27, 2022Warranty Deed, Transfer
FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 27, 2022 · Amount on Record
Deed SaleJul 27, 2022 · Amount on Record
Prior SaleDec 29, 2010 · Amount on Record
Deed Document Number2022420843
Deed Book / Page57987 / 42
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Recording DateJun 10, 2026
Property Address1287 COLE ST, BIRMINGHAM, MI 48009-7047
Document Number0000082651
Book / Page61279 / 629
Instrument DateMay 30, 2026
Instrument202682651
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1287 COLE ST, BIRMINGHAM, MI 48009-7047

Mortgage

Document Number0000082651,
DateJun 10, 2026
Book Page61279/629
Instrument202682651
Lender
NameMICHIGAN SCHOOLS AND GOV'T CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueJun 30, 2051
Interest
Rate6.3%
Max Rate-1%

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address1287 COLE ST, BIRMINGHAM, MI 48009-7047
Transaction TypeMortgage
Record UpdatedJan 19, 2023
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address18927 IRVONA AVE, LAKEVILLE, MN 55044-4720

Mortgage

Document Number0000420076
DateJul 26, 2022
Book Page57982/539
Instrument420076
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2052

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address1287 COLE ST, BIRMINGHAM, MI 48009-7047
Transaction TypeMortgage
Record UpdatedAug 12, 2022
Title CompanyEMBASSY TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1287 COLE ST, BIRMINGHAM, MI 48009-7047

Mortgage

Document Number0000023819
DateJan 28, 2021
Book Page55591/20
Instrument23819
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueFeb 1, 2036

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateJul 27, 2022
Property Address1287 COLE ST, BIRMINGHAM, MI 48009-7047
Document Number0000420843
Book / Page57987 / 42
Map ReferenceLB 27 PG 5
Instrument DateJul 15, 2022
Instrument420843
Transaction TypeTransfer
Record UpdatedSep 2, 2022
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount Recorded
Tax$5,812.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1287 COLE ST, 1287, BIRMINGHAM, MI 48009-7047

Transferred To (Grantee/Buyer)

NameVerified Name
Address1287 COLE ST, BIRMINGHAM, MI 48009-7047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
MunicipalityBirmingham City
CountyOakland County
Unified School DistrictBirmingham City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$13,273.00 (-9.78%) Homeowner's exemption$444,490 (+22.4%)$888,980 (+22.4%)
2024$14,712.00 (+57.43%)
2023$363,160$726,320
2021$9,345.00

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

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies5 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemBIRMINGHAM
serves 20,472 people · EPA ID MI0000730
Water SourcePurchased surface water from SOUTHEASTERN OAKLAND CO W AUTH
Last State InspectionJan 2025
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2023
Monitoring and Reporting3
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 864 locations within half a mile, as of December 31, 2025

ProviderMax 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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