2005 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 2005 E Commerce St, Milford, MI 48381

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,602 sqft · built 1986
Lot Size	1.27 acres (55,321 sqft)
Owner	2 Individual Names on File
Last Sale	$258,000 (Apr 1998)
Tax Bill	$3,185 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`L-16-01-351-028`

Property Details

APN / Parcel Number

Primary APN	`L-16-01-351-028`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,602 sqft Living Area
1st Floor Area	1,708 sqft
Basement Area	1,708 sqft
Unfinished Basement	1,708 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	55,321 sqft (1.27 acres)
Terrain	Rolling
Garage Area	629 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Slab
Porch Area	39 sqft
Deck Area	373 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	2005 E COMMERCE ST
City	MILFORD
State	MI
Zip	48381-2145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T2N, R7E, SEC 1 OAKLAND ORCHARDS ESTATES SUB LOT 10 EXC ELY 15 FT 5/29/85 FR 006
Legal Range	07E
Legal Township	02N
Legal Section	01
Legal Subdivision	OAKLAND ORCHARDS ESTATES SUB
Legal Lot Number	10
Jurisdiction	OAKLAND MI
Township / Civil Division	MILFORD
Census Block Group	5
Census Block	5012
Census Tract	132100

Owner

Source: Oakland County records · APN L-16-01-351-028

Assessment roll updated January 21, 2026 · Last verified June 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 File
Mailing Address	2005 E COMMERCE ST, MILFORD, MI 48381-2145
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 22, 1998 · Amount on Record
Deed Sale	Apr 22, 1998 · Amount on Record
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2005 E COMMERCE ST, MILFORD, MI 48381-2145
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000126675
Date	Jul 31, 2018
Book Page	52045/00196
Instrument	126675

Lender

Name	PNC BANK NA
Type	Bank
Address	MILFORD, MI 48381

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2005 E COMMERCE ST, MILFORD, MI 48381-2145
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2005 E COMMERCE ST, MILFORD, MI 48381-2145

Mortgage

Document Number	0000220481
Date	Oct 23, 2020
Book Page	55046/23
Instrument	220481

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2035

Tax Assessment & Valuation

Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Milford Charter Township
Unified School District	Huron Valley Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,185.00 (-35.28%) Homeowner's exemption	$236,530 (+15.16%)	$473,060 (+15.16%)
2024	$4,921.00 (+24.08%)
2023		$205,400	$410,800
2021	$3,966.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 73 locations within half a mile of this property.

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