Oakland County property record for 1881 Elsmere Rd, Waterford, MI 48328
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,126 sqft · built 1974 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $144,900 (Aug 2014) |
| Tax Bill | $2,106 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | W-13-14-405-018 |
| Primary APN | W-13-14-405-018 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 3 Stories |
| Building Area | 1,126 sqft Living Area |
| 1st Floor Area | 935 sqft |
| Basement Area | 417 sqft |
| Unfinished Basement | 417 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 200 ft deep x 50 ft wide |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 366 sqft |
| Patio Area | 366 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1881 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 108 |
| Legal Range | 09E |
| Legal Township | 03N |
| Legal Section | 14 |
| Legal Subdivision | BLUFFS |
| Legal Lot Number | 108 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | WATERFORD |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 144600 |
1881 Elsmere Rd is owned and occupied by an individual who acquired it in February 2021.
Source: Oakland County records, as of May 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1881 ELSMERE RD, WATERFORD, MI 48328-1614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 27, 2022 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Apr 29, 2021 | Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE INSURANCE |
| Feb 22, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Nov 13, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 2014 · Amount on File |
| Deed Sale | Aug 13, 2014 · Amount on File |
| Prior Sale | Apr 12, 2000 · Amount on File |
| Deed Document Number | 2014155462 |
| Deed Book / Page | 47307 / 837 |
| Last Transfer Date | Feb 19, 2021 |
| Transfer Doc | 0000046160 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1881 ELSMERE RD, WATERFORD, MI 48328-1614 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1881 ELSMERE RD, WATERFORD, MI 48328-1614 |
| Document Number | 0000306026 |
|---|---|
| Date | Jan 27, 2022 |
| Book Page | 57363/766 |
| Instrument | 306026 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 287 Months |
| Due | Dec 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1881 ELSMERE RD, WATERFORD, MI 48328-1614 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1881 ELSMERE RD, WATERFORD, MI 48328-1614 |
| Document Number | 0000114809 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 56158/848 |
| Instrument | 114809 |
| Name | FIRST AMERICAN TITLE INSURANCE |
|---|---|
| Type | Insurance Company |
| Address | SANTA ANA, CA 92707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 296 Months |
| Due | Dec 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Feb 22, 2021 |
| Property Address | 1881 ELSMERE RD, WATERFORD, MI 48328-1614 |
| Document Number | 0000046160 |
| Book / Page | 55745 / 484 |
| Map Reference | LB 124 PG 1 |
| Instrument Date | Feb 19, 2021 |
| Instrument | 46160 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1881 ELSMERE RD, 1881, WATERFORD, MI 48328-1614 |
| Name | Verified Name |
|---|---|
| Address | 1881 ELSMERE RD, WATERFORD, MI 48328-1614 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Nov 13, 2019 |
| Property Address | 1881 ELSMERE RD, WATERFORD, MI 48328-1614 |
| Document Number | 0000188721 |
| Book / Page | 053491 / 000320 |
| Instrument Date | Nov 13, 2019 |
| Instrument | 188721 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1881 ELSMERE RD WATERFORD MI 483281614, WATERFORD, MI 48328-1614 |
The 2025 property tax bill for 1881 Elsmere Rd was $2,106 with a homeowner's exemption, down 49.2% from the year before.
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 | $2,106.00 (-49.15%) Homeowner's exemption | $103,230 | $206,460 |
| 2024 | $4,142.00 | ||
| 2023 | $93,130 | $186,260 | |
| 2021 | $3,004.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1881 Elsmere Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 1881 Elsmere Rd 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 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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