1864 Point St, Commerce Township, MI 48382 Property Records

Oakland County property record for 1864 Point St, Commerce Township, MI 48382

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,896 sqft · built 1977
Lot Size	0.194 acres (8,451 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Sep 2025)
Tax Bill	$5,385 (2025)
Deeds & Mortgages	Jan 2026 Transfer Sep 2025 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`E-17-01-252-011`

Property Details

APN / Parcel Number

Primary APN	`E-17-01-252-011`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,896 sqft Living Area
1st Floor Area	1,706 sqft
Basement Area	1,706 sqft
Unfinished Basement	1,706 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	8,451 sqft (0.194 acres)
Lot Dimensions	164 ft deep x 51 ft wide
View / Lot	Waterfront / Beach
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Deck Area	728 sqft
Patio Area	1,484 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1864 POINT ST
City	COMMERCE TOWNSHIP
State	MI
Zip	48382-2275
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T2N, R8E, SEC 1 DOUBLE PRIVILEGE SUB LOT 87
Legal Range	08E
Legal Township	02N
Legal Section	01
Legal Subdivision	DOUBLE PRIVILEGE
Legal Lot Number	87
Jurisdiction	OAKLAND MI
Township / Civil Division	COMMERCE
Census Block Group	3
Census Block	3008
Census Tract	134000

Owner

1864 Point St is owned and occupied by two individuals who bought it in September 2025.

Source: Oakland County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Intrafamily Transfer, Transfer
Sep 15, 2025	Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP
Jun 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMERICA BANK
Jul 5, 2023	Warranty Deed, Transfer FIRST AMERICAN TITLE
Jul 5, 2023	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Aug 25, 2022	Quit Claim Deed, Transfer Quitclaim
Oct 23, 2017	Deed of Trust, Mortgage · Line of Credit COMERICA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2025 · Amount on File
Deed Sale	Sep 15, 2025 · Amount on File
Deed Document Number	2025115193
Deed Book / Page	60527 / 523
Prior Transfer Date	Jun 2, 2023
Prior Transfer Doc	0000071988
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Jan 29, 2026
Property Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275
Document Number	20260013222
Book / Page	60912 / 91
Map Reference	LB 19 PG 22
Instrument Date	Jan 29, 2026
Instrument	20260013222
Transaction Type	Transfer
Record Updated	Mar 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 15, 2025
Property Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275
Document Number	0000115193
Book / Page	60527 / 523
Map Reference	LB 19 PG 22
Instrument Date	Aug 15, 2025
Instrument	115193
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	REPUTATION FIRST TITLE AGENCY, REPUTATION FIRST TTL AGCY LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8320 LAGOON ST, COMMERCE TWP, MI 48382-4752

Mortgage

Document Number	0060527525
Date	Sep 15, 2025
Instrument	60527/525

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275
Transaction Type	Mortgage
Record Updated	Sep 22, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1848 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275

Mortgage

Document Number	0000065976
Date	Jun 16, 2023
Book Page	58676/713
Instrument	65976

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 5, 2023
Property Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275
Document Number	0000071989
Book / Page	58710 / 664
Map Reference	LB 19 PG 22
Instrument Date	Jun 12, 2023
Instrument	71989
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 5, 2023
Property Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275
Document Number	0000071988
Book / Page	58710 / 662
Map Reference	LB 19 PG 22
Instrument Date	Jun 2, 2023
Instrument	71988
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 25, 2022
Property Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275
Document Number	0000435249
Book / Page	58064 / 335
Instrument Date	Aug 25, 2022
Instrument	435249
Transaction Type	Transfer
Record Updated	Sep 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1864 POINT ST, COMMERCE TWP, MI 48382-2275

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1864 POINT ST, COMMERCE TOWNSHIP, MI 48382-2275
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000196235
Date	Oct 23, 2017
Book Page	51208/00327
Instrument	196235

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1864 Point St was $5,385 with a homeowner's exemption, down 37.5% from the year before.

Source: Oakland County assessment roll, as of February 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Commerce Charter Township
Unified School District	Walled Lake Consolidated Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,385.00 (-37.46%) Homeowner's exemption	$294,540 (+9.54%)	$589,080 (+9.54%)
2024	$8,611.00 (+12.15%) Homeowner's exemption	$268,880 (+8.19%)	$537,760 (+8.19%)
2023	$7,678.00 (+64.45%)	$248,520 (+14.96%)	$497,040 (+14.96%)
2022	$4,669.00 (+1.28%) Homeowner's exemption	$216,180	$432,360
2021	$4,610.00

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

FEMA maps place 1864 Point St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2002–2004)
Most Recent Claim	May 2004 · Severe Storms, Tornadoes, And Flooding

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

Wildfire risk around 1864 Point St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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