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1292 Cole St, Birmingham, MI 48009 Property Records

Oakland County property record for 1292 Cole St, Birmingham, MI 48009

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 2,306 sqft · built 2021
Lot Size0.11 acres (4,792 sqft)
Owner2 Individual Names on Record
Last Sale$1,200,000 (Oct 2025)
Tax Bill$21,260 (2025)
Deeds & MortgagesOct 2025 Sale & Mortgage
Feb 2022 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN08-20-31-155-009

Property Details

APN / Parcel Number

Primary APN08-20-31-155-009

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,306 sqft Living Area
1st Floor Area791 sqft
Basement Area791 sqft
Unfinished Basement791 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area4,792 sqft (0.11 acres)
Lot Dimensions120 ft deep x 40 ft wide
Garage Area375 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area86 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address1292 COLE ST
CityBIRMINGHAM
StateMI
Zip48009-7032
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRI
Legal DescriptionT2N, R11E, SEC 31 LEINBACH-HUMPHREY'S WOODWARD AVE SUB LOT 250
Legal Range11E
Legal Township02N
Legal Section31
Legal SubdivisionLEINBACH-HUMPHREY'S WOODWARD AVE SUB
Legal Lot Number250
JurisdictionOAKLAND MI
Township / Civil DivisionBIRMINGHAM
Census Block Group2
Census Block2034
Census Tract152900

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 Record2 Individual Names on Record
Mailing Address1736 CROFT RD, BIRMINGHAM, MI 48009-7218
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Oct 8, 2025Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE CENTER
Feb 14, 2022Warranty Deed, Transfer · Conventional Mortgage
SUPERIOR NATIONAL BANK
Oct 7, 2021Quit Claim Deed, Subdivision Related Transfer
Quitclaim
Aug 3, 2020Warranty Deed, Transfer
EQUITY TITLE COMPANY, EQUITY TITLE AGENCY
Jun 14, 2019Grant Deed, Transfer
ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 8, 2025 · Amount on Record
Deed SaleOct 8, 2025 · Amount on Record
Prior SaleMay 30, 2024 · Amount on Record
Deed Document Number2025127370
Deed Book / Page60600 / 633
Record UpdatedSep 20, 2026

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateOct 8, 2025
Property Address1292 COLE ST, BIRMINGHAM, MI 48009-7032
Document Number0000127370
Book / Page60600 / 633
Map ReferenceLB 27 PG 5
Instrument DateOct 2, 2025
Instrument127370
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyATA NATIONAL TITLE GROUP LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$9,000.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1292 COLE ST, BIRMINGHAM, MI 48009-7032

Transferred To (Grantee/Buyer)

NameVerified Name
Address1736 CROFT RD, BIRMINGHAM, MI 48009-7218

Mortgage

Document Number0060620256
DateOct 8, 2025
Instrument60620/256
Lender
NameMORTGAGE CENTER
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2055
Interest
Rate TypeAdjustable Rate
Rate6%
Type Change DateNov 1, 2032
Change FrequencyAnnually
Min Rate At Change4%
Max Rate At Change8%
Max Rate11%

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateFeb 14, 2022
Property Address1292 COLE ST, BIRMINGHAM, MI 48009-7032
Document Number0000319228
Book / Page57444 / 615
Map ReferenceLB 27 PG 5
Instrument DateJan 28, 2022
Instrument319228
Transaction TypeTransfer
Record UpdatedApr 27, 2022
Title CompanyCAPITOL TITLE COMPANY INC, CAPITAL TITLE INS AGCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,562.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1954 DEER PATH TRL, 1954, COMMERCE TOWNSHIP, MI 48390-1875

Transferred To (Grantee/Buyer)

NameVerified Name
Address1292 COLE ST, BIRMINGHAM, MI 48009-7032

Mortgage

Document Number0057444406
DateFeb 14, 2022
Instrument57444/406
Lender
NameSUPERIOR NATIONAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2052

October 2021: Quit Claim Deed, Subdivision Related Transfer

Document TypeQuit Claim Deed
JurisdictionOAKLAND MI
Recording DateOct 7, 2021
Property Address1292 COLE ST, BIRMINGHAM, MI 48009-7032
Document Number0000239545
Book / Page56966 / 53
Map ReferenceLB 27 PG 5
Instrument DateOct 4, 2021
Instrument239545
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 10, 2021

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1954 DEER PATH TRL, 1954, COMMERCE TOWNSHIP, MI 48390-1875

Transferred To (Grantee/Buyer)

NameVerified Name
Address1954 DEER PATH TRL, COMMERCE TOWNSHIP, MI 48390-1875

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateAug 3, 2020
Property Address1292 COLE ST, BIRMINGHAM, MI 48009-7032
Document Number0000151470
Book / Page054593 / 000175
Instrument DateJun 25, 2020
Instrument151470
Transaction TypeTransfer
Record UpdatedAug 26, 2020
Title CompanyEQUITY TITLE COMPANY, EQUITY TITLE AGENCY

Transaction

AmountAmount Recorded
Tax$1,919.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1954 DEER PATH TRL COMMERCE TOWNSHIP MI 483901875, COMMERCE TOWNSHIP, MI 48390-1875

June 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOAKLAND MI
Recording DateJun 14, 2019
Property Address1292 COLE ST, BIRMINGHAM, MI 48009-7032
Document Number0000095839
Book / Page052931 / 000372
Instrument DateJun 6, 2019
Instrument95839
Transaction TypeTransfer
Record UpdatedJul 9, 2019
Title CompanyATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

AmountAmount Recorded
Tax$1,892.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5130 PONVALLEY RD BLOOMFIELD HILLS MI 483022818, BLOOMFIELD HILLS, MI 48302-2818

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$21,260.00 (+17.57%)$520,720 (+9.98%)$1,041,440 (+9.98%)
2024$18,083.00 (+4.8%) Homeowner's exemption$473,450 (+6.06%)$946,900 (+6.06%)
2023$17,255.00 (+354.44%) Homeowner's exemption$446,380$892,760
2021$3,797.00

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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