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1431 Cole St, Birmingham, MI 48009 Property Records

Oakland County property record for 1431 Cole St, Birmingham, MI 48009

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,279 sqft · built 2005
Lot Size0.11 acres (4,792 sqft)
Owner2 Company Names on Record
Last Sale$681,525 (Aug 2021)
Tax Bill$12,172 (2025)
Deeds & MortgagesAug 2021 Mortgage
Feb 2023 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN08-20-31-154-049

Property Details

APN / Parcel Number

Primary APN08-20-31-154-049

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures9 Plumbing Fixtures
Total Rooms9 Rooms
Stories2 Stories
Building Area2,279 sqft Living Area
1st Floor Area1,130 sqft
Basement Area1,130 sqft
Unfinished Basement1,130 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
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 Area386 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area127 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address1431 COLE ST
CityBIRMINGHAM
StateMI
Zip48009-7054
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRI
Legal DescriptionT2N, R11E, SEC 31 LEINBACH-HUMPHREY'S WOODWARD AVE SUB LOT 217
Legal Range11E
Legal Township02N
Legal Section31
Legal SubdivisionLEINBACH-HUMPHREY'S WOODWARD AVE SUB
Legal Lot Number217
JurisdictionOAKLAND MI
Township / Civil DivisionBIRMINGHAM
Census Block Group2
Census Block2028
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 Company Names on Record
Mailing Address1431 COLE ST, BIRMINGHAM, MI 48009-7054
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Feb 17, 2023Intrafamily Transfer, Transfer
Feb 17, 2023Intrafamily Transfer, Transfer
Aug 27, 2021Warranty Deed, Transfer
STERLING TITLE AGENCY
Nov 25, 2020Warranty Deed, Transfer · Conventional Mortgage
LAKE MI CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 27, 2021 · Amount on Record
Deed SaleAug 27, 2021 · Amount on Record
Prior SaleNov 25, 2020 · Amount on Record
Deed Document Number2021208470
Deed Book / Page56761 / 837
Last Transfer DateFeb 10, 2023
Transfer Doc0000016046
Record UpdatedSep 20, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address1431 COLE ST, BIRMINGHAM, MI 48009-7054
Transaction TypeMortgage
Record UpdatedFeb 10, 2023
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address24331 ONEIDA ST, OAK PARK, MI 48237-1797

Mortgage

Document Number0000201997
DateAug 18, 2021
Book Page56718/331
Instrument201997
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2051

February 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOAKLAND MI
Recording DateFeb 17, 2023
Property Address1431 COLE ST, BIRMINGHAM, MI 48009-7054
Document Number0000016045
Book / Page58428 / 671
Map ReferenceLB 27 PG 5
Instrument DateFeb 10, 2023
Instrument16045
Transaction TypeTransfer
Record UpdatedMar 8, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1431 COLE ST, BIRMINGHAM, MI 48009-7054

Transferred To (Grantee/Buyer)

NameVerified Name
Address1431 COLE ST, BIRMINGHAM, MI 48009-7054

February 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOAKLAND MI
Recording DateFeb 17, 2023
Property Address1431 COLE ST, BIRMINGHAM, MI 48009-7054
Document Number0000016046
Book / Page58428 / 673
Map ReferenceLB 27 PG 5
Instrument DateFeb 10, 2023
Instrument16046
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1431 COLE ST, BIRMINGHAM, MI 48009-7054

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address1431 COLE ST, BIRMINGHAM, MI 48009-7054

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateAug 27, 2021
Property Address1431 COLE ST, BIRMINGHAM, MI 48009-7054
Document Number0000208470
Book / Page56761 / 837
Map ReferenceLB 27 PG 5
Instrument DateAug 16, 2021
Instrument208470
Transaction TypeTransfer
Record UpdatedFeb 10, 2023
Title CompanySTERLING TITLE AGENCY

Transaction

AmountAmount Recorded
Tax$5,865.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1431 COLE ST, BIRMINGHAM, MI 48009-7054

Transferred To (Grantee/Buyer)

NameVerified Name
Address1431 COLE ST, BIRMINGHAM, MI 48009-7054

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateNov 25, 2020
Property Address1431 COLE ST, BIRMINGHAM, MI 48009-7054
Document Number0000199490
Book / Page055238 / 000133
Instrument DateNov 12, 2020
Instrument199490
Transaction TypeTransfer
Record UpdatedJan 21, 2021
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,805.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1431 COLE ST BIRMINGHAM MI 480097054, BIRMINGHAM, MI 48009-7054

Mortgage

Document Number249646
DateNov 25, 2020
Book Page055238/000135
Instrument249646
Lender
NameLAKE MI CU
TypeCredit Union
AddressGRAND RAPIDS, MI 49501
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 24, 2050

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of February 4, 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$12,172.00 (-9.78%) Homeowner's exemption$380,490 (+12.15%)$760,980 (+12.15%)
2024$13,491.00 (+32.2%)
2023$339,260$678,520
2021$10,205.00

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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