Oakland County property record for 1861 Elsmere Rd, Waterford, MI 48328
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,104 sqft · built 1972 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $99,000 (Sep 1996) |
| Tax Bill | $1,013 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | W-13-14-405-020 |
| Primary APN | W-13-14-405-020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,104 sqft |
| Unfinished Basement | 1,104 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 200 ft deep x 50 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | 60 sqft |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1861 ELSMERE RD |
|---|---|
| City | WATERFORD |
| State | MI |
| Zip | 48328-1614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SI |
| Legal Description | T3N, R9E, SEC 14 ORCHARD BLUFFS LOT 106 |
| Legal Range | 09E |
| Legal Township | 03N |
| Legal Section | 14 |
| Legal Subdivision | BLUFFS |
| Legal Lot Number | 106 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | WATERFORD |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 144600 |
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 | 1861 ELSMERE RD, WATERFORD, MI 48328-1614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 1996 · Amount on Record |
| Deed Sale | Sep 3, 1996 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1861 ELSMERE RD, WATERFORD, MI 48328-1614 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1861 ELSMERE RD, WATERFORD, MI 48328-1614 |
| Document Number | 0000055464 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 55806/727 |
| Instrument | 55464 |
| Name | HALL FINANCIAL GROUP |
|---|---|
| Type | Non-Lending Institution |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Waterford Charter Township |
| Unified School District | Waterford School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,013.00 (-40.52%) Homeowner's exemption | $85,660 (+10.6%) | $171,320 (+10.6%) |
| 2024 | $1,703.00 (+20.44%) | ||
| 2023 | $77,450 | $154,900 | |
| 2021 | $1,414.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | Low lower than 96% of the US · lower than 91% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | WATERFORD TOWNSHIP serves 73,441 people · EPA ID MI0006910 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2021 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2023 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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