1909 E 4th St, Royal Oak, MI 48067 Property Records

Oakland County property record for 1909 E 4th St, Royal Oak, MI 48067

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,060 sqft · built 1949
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Mar 2025)
Tax Bill	$4,040 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`72-25-23-103-041`

Property Details

APN / Parcel Number

Primary APN	`72-25-23-103-041`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,060 sqft Living Area
1st Floor Area	837 sqft
Basement Area	837 sqft
Finished Basement	837 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	109 ft deep x 40 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	95 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	1909 E 4TH ST
City	ROYAL OAK
State	MI
Zip	48067-3917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ONE FAM
Legal Description	T1N, R11E, SEC 23 HOME GARDENS LOTS 264 & 265, ALSO 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	23
Legal Subdivision	HOME GARDENS SUBDIVISION
Legal Lot Number	264-265
Jurisdiction	OAKLAND MI
Township / Civil Division	ROYAL OAK
Census Block Group	1
Census Block	1016
Census Tract	184300

Owner

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	2 Individual Names on Record
Mailing Address	4757 CATALINA DR, LAKE ORION, MI 48359-2434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 21, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 20, 2019	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY FIN'L CU
Oct 24, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2025 · Amount on Record
Deed Sale	Mar 21, 2025 · Amount on Record
Prior Sale	Nov 20, 2019 · Amount on Record
Deed Document Number	202530618
Deed Book / Page	60069 / 381
Prior Transfer Date	May 14, 2024
Prior Transfer Doc	0000056997
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Apr 1, 2026
Property Address	1909 E 4TH ST, ROYAL OAK, MI 48067-3917
Document Number	20260039162
Book / Page	61069 / 100
Instrument Date	Mar 26, 2026
Instrument	202639162
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 E 4TH ST, ROYAL OAK, MI 48067-3917

Mortgage

Document Number	0000039162,
Date	Apr 1, 2026
Book Page	61069/100
Instrument	202639162

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 21, 2025
Property Address	1909 E 4TH ST, ROYAL OAK, MI 48067-3917
Document Number	0000030618
Book / Page	60069 / 381
Map Reference	MB 25 PG 26
Instrument Date	Mar 14, 2025
Instrument	30618
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1909 E 4TH ST, ROYAL OAK, MI 48067-3917

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4757 CATALINA DR, LAKE ORION, MI 48359-2434

Mortgage

Document Number	0060066841
Date	Mar 21, 2025
Instrument	60066/841

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 20, 2019
Property Address	1909 E 4TH ST, ROYAL OAK, MI 48067-3917
Document Number	0000195896
Book / Page	053532 / 000793
Instrument Date	Nov 8, 2019
Instrument	195896
Transaction Type	Transfer
Record Updated	Jan 9, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,235.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1909 E 4TH ST ROYAL OAK MI 480673917, ROYAL OAK, MI 48067-3917

Mortgage

Document Number	195897
Date	Nov 20, 2019
Book Page	053532/000796
Instrument	195897

Lender

Name	COMMUNITY FIN'L CU
Type	Credit Union
Address	PLYMOUTH, MI 48170

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2049

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 24, 2017
Property Address	1909 E 4TH ST, ROYAL OAK, MI 48067-3917
Document Number	0000196575
Book / Page	051209 / 000701
Instrument Date	Oct 17, 2017
Instrument	196575
Transaction Type	Transfer
Record Updated	Nov 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1909 E 4TH ST ROYAL OAK MI 480673917, ROYAL OAK, MI 48067-3917

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Royal Oak City
Unified School District	Royal Oak City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,040.00 (-22.07%) Homeowner's exemption	$149,360	$298,720
2024	$5,184.00

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ROYAL OAK serves 57,236 people · EPA ID MI0005830
Water Source	Purchased surface water from SOUTHEASTERN OAKLAND CO W AUTH
Last State Inspection	May 2025
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 970 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · 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	1,000 / 75

May also be available: T-Mobile.

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