Oakland County property record for 1900 Ruby Ave, Rochester Hills, MI 48309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,426 sqft · built 1995 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Jul 2026) |
| Tax Bill | $2,150 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-15-33-301-021 |
| Primary APN | 70-15-33-301-021 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,426 sqft Living Area |
| 1st Floor Area | 1,426 sqft |
| Basement Area | 1,598 sqft |
| Finished Basement | 1,598 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 40,075 sqft (0.92 acres) |
| Lot Dimensions | 400 ft deep x 100 ft wide |
| Garage Area | 688 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 172 sqft |
| Deck Area | 899 sqft |
| Patio Area | 899 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1900 RUBY AVE |
|---|---|
| City | ROCHESTER HILLS |
| State | MI |
| Zip | 48309-4230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T3N, R11E, SEC 33 SUNNYDALE GARDENS NO 3 LOT 157 |
| Legal Range | 11E |
| Legal Township | 03N |
| Legal Section | 33 |
| Legal Subdivision | SUNNYDALE GARDENS #3 |
| Legal Lot Number | 157 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | ROCHESTER HILLS |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 194600 |
Source: Oakland County records, as of July 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1900 RUBY AVE, ROCHESTER HILLS, MI 48309-4230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jul 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CREDIT UNION |
| Jan 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2026 · Amount on Record |
| Deed Sale | Jul 2, 2026 · Amount on Record |
| Prior Sale | May 10, 2012 · Amount on Record |
| Deed Document Number | 202696033 |
| Deed Book / Page | 61338 / 466 |
| Prior Transfer Date | Oct 6, 2009 |
| Prior Transfer Doc | 0000184821 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 2, 2026 |
| Property Address | 1900 RUBY AVE, ROCHESTER HILLS, MI 48309-4230 |
| Document Number | 0000096033 |
| Book / Page | 61338 / 466 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202696033 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Title Company | TITLE AGENCY OF MICHIGAN, SUN TITLE AGENCY OF MICHIGAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $329,512.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1900 RUBY AVE, ROCHESTER HILLS, MI 48309-4230 |
| Document Number | 0000096034, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 202696034 |
| Name | LAKE MICHIGAN CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1900 RUBY AVE, ROCHESTER HILLS, MI 48309-4230 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1900 RUBY AVE, ROCHESTER HILLS, MI 48309-4230 |
| Document Number | 0000307905 |
|---|---|
| Date | Jan 31, 2022 |
| Book Page | 57375/710 |
| Instrument | 307905 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Rochester Hills City |
| Unified School District | Avondale School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,150.00 (-39.78%) | ||
| 2022 | $3,570.00 | $151,860 | $303,720 |
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 | Low lower than 94% of the US · lower than 85% 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 | ROCHESTER HILLS serves 74,000 people · EPA ID MI0000325 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | Apr 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 363 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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