Oakland County property record for 1408 Ruffner Ave, Birmingham, MI 48009
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,412 sqft · built 2016 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $849,000 (Jun 2022) |
| Tax Bill | $14,831 (2025) |
| Deeds & Mortgages | Feb 2022 Transfer Jun 2022 Sale & Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-20-31-302-021 |
| Primary APN | 08-20-31-302-021 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 3 Stories |
| Building Area | 2,412 sqft Living Area |
| 1st Floor Area | 808 sqft |
| Basement Area | 980 sqft |
| Unfinished Basement | 980 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Garage Area | 410 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 382 sqft |
| Deck Area | 16 sqft |
| Patio Area | 16 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1408 RUFFNER AVE |
|---|---|
| City | BIRMINGHAM |
| State | MI |
| Zip | 48009-7136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T2N, R11E, SEC 31 LEINBACH-HUMPHREY'S WOODWARD AVE SUB LOT 392 |
| Legal Range | 11E |
| Legal Township | 02N |
| Legal Section | 31 |
| Legal Subdivision | LEINBACH-HUMPHREY'S WOODWARD AVE SUB |
| Legal Lot Number | 392 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | BIRMINGHAM |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 152900 |
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 | 1408 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2022 | Intrafamily Transfer, Transfer |
| Jun 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| May 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Apr 8, 2019 | Warranty Deed, Transfer · ARM FIFTH THIRD BANK |
| Jul 6, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 26, 2017 | Quit Claim Deed, Transfer STERLING TITLE AGENCY |
| Apr 28, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Apr 27, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MICHIGAN MUTUAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2022 · Amount on Record |
| Deed Sale | Jun 21, 2022 · Amount on Record |
| Prior Sale | Apr 8, 2019 · Amount on Record |
| Deed Document Number | 2022400844 |
| Deed Book / Page | 57874 / 105 |
| Prior Transfer Date | Jan 25, 2022 |
| Prior Transfer Doc | 0000331193 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Feb 25, 2022 |
| Property Address | 1408 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 0000331193 |
| Book / Page | 57509 / 876 |
| Map Reference | LB 27 PG 5 |
| Instrument Date | Jan 25, 2022 |
| Instrument | 331193 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1408 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 21, 2022 |
| Property Address | 1408 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 0000400844 |
| Book / Page | 57874 / 105 |
| Map Reference | LB 27 PG 5 |
| Instrument Date | Jul 23, 2021 |
| Instrument | 400844 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Title Company | NOT AVAILABLE, TWENTY TWO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,367.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1408 RUFFNER AVE, 1408, BIRMINGHAM, MI 48009-7136 |
| Name | Verified Name |
|---|---|
| Address | 1408 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 0057874108 |
|---|---|
| Date | Jun 21, 2022 |
| Instrument | 57874/108 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Jul 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.87% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1408 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000098029 |
|---|---|
| Date | May 21, 2020 |
| Book Page | 54237/92 |
| Instrument | 98029 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.77% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.77% |
| Index | 1-Year LIBOR |
| Max Rate | 7.77% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 8, 2019 |
| Property Address | 1408 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 0000053278 |
| Book / Page | 52711 / 00682 |
| Map Reference | LB 27 PG 5 |
| Instrument Date | Apr 2, 2019 |
| Instrument | 053278 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,805.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1408 RUFFNER AVE, 1408, BIRMINGHAM, MI 48009-7136 |
| Name | Verified Name |
|---|---|
| Address | 1408 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 0000054649 |
|---|---|
| Date | Apr 8, 2019 |
| Instrument | 054649 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | May 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 6, 2018 |
| Property Address | 1408 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 0000111909 |
| Book / Page | 051969 / 000687 |
| Instrument Date | Jun 25, 2018 |
| Instrument | 111909 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1408 RUFFNER AVE BIRMINGHAM MI 480097136, BIRMINGHAM, MI 48009-7136 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 26, 2017 |
| Property Address | 1408 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 0000084570 |
| Book / Page | 050611 / 000101 |
| Instrument Date | Apr 21, 2017 |
| Instrument | 84570 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2017 |
| Title Company | STERLING TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1949 ROCHESTER INDUSTRIAL DR ROCHESTER HILLS MI 483093344, ROCHESTER HILLS, MI 48309-3344 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 28, 2017 |
| Property Address | 1408 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 0000086070 |
| Book / Page | 050619 / 000507 |
| Instrument Date | Apr 21, 2017 |
| Instrument | 86070 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1408 RUFFNER AVE BIRMINGHAM MI 480097136, BIRMINGHAM, MI 48009-7136 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 27, 2017 |
| Property Address | 1408 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 0000085210 |
| Book / Page | 050614 / 000621 |
| Instrument Date | Apr 21, 2017 |
| Instrument | 85210 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 5, 2019 |
| Title Company | STERLING TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,418.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 857 LINDEN WAY AUBURN HILLS MI 483263890, AUBURN HILLS, MI 48326-3890 |
| Document Number | 85211 |
|---|---|
| Date | Apr 27, 2017 |
| Book Page | 050614/000623 |
| Instrument | 85211 |
| Name | MICHIGAN MUTUAL |
|---|---|
| Type | Funding / Finance Company |
| Address | PORT HURON, MI 48060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 26, 2047 |
| Document Number | 85212, |
|---|---|
| Date | Apr 27, 2017 |
| Book Page | 050614/000638 |
| Instrument | 85212 |
| Name | TCF NAT'L BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 26, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Birmingham City |
| County | Oakland County |
| Unified School District | Birmingham City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,831.00 (-9.78%) Homeowner's exemption | $474,550 (+17.08%) | $949,100 (+17.08%) |
| 2024 | $16,439.00 (+23.68%) | ||
| 2023 | $405,330 | $810,660 | |
| 2021 | $13,292.00 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BIRMINGHAM serves 20,472 people · EPA ID MI0000730 |
|---|---|
| Water Source | Purchased surface water from SOUTHEASTERN OAKLAND CO W AUTH |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2023 |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 864 locations within half a mile, as of December 31, 2025
| Provider | Max 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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