Oakland County property record for 1440 Ruffner Ave, Birmingham, MI 48009
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 815 sqft · built 1929 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (Feb 2024) |
| Tax Bill | $5,624 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-20-31-302-023 |
| Primary APN | 08-20-31-302-023 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 815 sqft Living Area |
| 1st Floor Area | 799 sqft |
| Basement Area | 799 sqft |
| Unfinished Basement | 799 sqft |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Architectural Style | Ranch |
| 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 | 691 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 83 sqft |
| Deck Area | 85 sqft |
| Patio Area | 85 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1440 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 394 |
| Legal Range | 11E |
| Legal Township | 02N |
| Legal Section | 31 |
| Legal Subdivision | LEINBACH-HUMPHREY'S WOODWARD AVE SUB |
| Legal Lot Number | 394 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1440 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Feb 16, 2024 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC |
| Feb 6, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 16, 2024 · Amount on Record |
| Deed Sale | Feb 16, 2024 · Amount on Record |
| Prior Sale | Feb 3, 2006 · Amount on Record |
| Deed Document Number | 202415850 |
| Deed Book / Page | 59170 / 192 |
| Prior Transfer Date | Apr 30, 2004 |
| Prior Transfer Doc | 0330000704 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | May 11, 2026 |
| Property Address | 1440 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 20260063204 |
| Book / Page | 61182 / 207 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 202663204 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1440 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 0000063204, |
|---|---|
| Date | May 11, 2026 |
| Book Page | 61182/207 |
| Instrument | 202663204 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | May 1, 2054 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Feb 16, 2024 |
| Property Address | 1440 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 0000015850 |
| Book / Page | 59170 / 192 |
| Map Reference | LB 27 PG 5 |
| Instrument Date | Feb 9, 2024 |
| Instrument | 15850 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2024 |
| Title Company | FIRST INTEGRITY TITLE AGENCY LLC, FIRST PRIORITY TTL AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1440 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Name | Verified Name |
|---|---|
| Address | 1511 1ST ST, DETROIT, MI 48226-1351 |
| Document Number | 0000015050 |
|---|---|
| Date | Feb 14, 2024 |
| Book Page | 59166/335 |
| Instrument | 15050 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Feb 6, 2023 |
| Property Address | 1440 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Document Number | 0000012068 |
| Book / Page | 58407 / 55 |
| Map Reference | LB 27 PG 5 |
| Instrument Date | Jan 27, 2023 |
| Instrument | 12068 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1440 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
| Name | Verified Name |
|---|---|
| Address | 1440 RUFFNER AVE, BIRMINGHAM, MI 48009-7136 |
Source: Oakland County assessment roll, as of February 4, 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 | $5,624.00 (+117.39%) Homeowner's exemption | $166,580 (+20.01%) | $333,160 (+20.01%) |
| 2024 | $2,587.00 (+9.25%) | ||
| 2023 | $138,810 | $277,620 | |
| 2021 | $2,368.00 |
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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