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20175 Harbor Ln, Southfield, MI 48076 Property Records

Oakland County property record for 20175 Harbor Ln, Southfield, MI 48076

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,403 sqft · built 1962
Lot Size0.183 acres (7,971 sqft)
Owner2 Individual Names on File
Last Sale$83,500 (Dec 2010)
Tax Bill$2,703 (2025)
Deeds & MortgagesApr 2026 Mortgage
Aug 2018 Transfer
Flood ZoneZone X (minimal risk)
APN76-24-15-431-012

Property Details

APN / Parcel Number

Primary APN76-24-15-431-012

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures5 Plumbing Fixtures
Stories1 Story
Building Area1,403 sqft Living Area
1st Floor Area1,403 sqft
Basement Area873 sqft
Unfinished Basement1,403 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 1994
Architectural StyleRanch
Exterior MaterialBrick
Construction TypeBrick
Foundation TypeSlab (Mat/Raft)
Roof TypeGable
Lot Area7,971 sqft (0.183 acres)
Lot Dimensions117 ft deep x 68 ft wide
Garage Area399 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area16 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address20175 HARBOR LN
CitySOUTHFIELD
StateMI
Zip48076-4910
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-2
Legal DescriptionT1N,R10E,SEC 15 115 EVERGREEN TRAIL SUBN LOT 115
Legal SubdivisionEVERGREEN TRAIL SUBN
Legal Lot Number115
JurisdictionOAKLAND MI
Township / Civil DivisionSOUTHFIELD
Census Block Group2
Census Block2003
Census Tract161200

Owner

20175 Harbor Ln is owned and occupied by two individuals who acquired it in August 2018.

Source: Oakland County records, as of May 27, 2026

Owner of Record2 Individual Names on File
Mailing Address20175 HARBOR LN, SOUTHFIELD, MI 48076-4910
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Apr 28, 2026Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Aug 30, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 10, 2010 · Amount on File
Deed SaleDec 10, 2010 · Amount on File
Prior SaleJul 21, 1997 · Amount on File
Deed Document Number2010221834
Deed Book / Page42634 / 845
Last Transfer DateAug 27, 2018
Transfer Doc0000143657
Record UpdatedOct 29, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Recording DateApr 28, 2026
Property Address20175 HARBOR LN, SOUTHFIELD, MI 48076-4910
Document Number0000056525
Book / Page61146 / 804
Instrument DateApr 20, 2026
Instrument202656525
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address20175 HARBOR LN, SOUTHFIELD, MI 48076-4910

Mortgage

Document Number0000056525,
DateApr 28, 2026
Book Page61146/804
Instrument202656525
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2056
Interest
Rate6.22%
Max Rate-1%

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOAKLAND MI
Recording DateAug 30, 2018
Property Address20175 HARBOR LN, SOUTHFIELD, MI 48076-4910
Document Number0000143657
Book / Page052138 / 000117
Instrument DateAug 27, 2018
Instrument143657
Transaction TypeTransfer
Record UpdatedSep 21, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address20175 HARBOR LN SOUTHFIELD MI 480764910, SOUTHFIELD, MI 48076-4910

Tax Assessment & Valuation

The 2025 property tax bill for 20175 Harbor Ln was $2,703 with a homeowner's exemption, down 13.4% from the year before.

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

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
MunicipalitySouthfield City
Unified School DistrictSouthfield Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,703.00 (-13.39%) Homeowner's exemption$125,080 Land $28,640 Building $96,440$250,160 Land $57,280 Building $192,880
2024$3,121.00
2023$194,580 Land $42,660 Building $151,920
2022$2,723.00$97,290 Land $21,330 Building $75,960

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

Flood

FEMA maps place 20175 Harbor Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1981.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims3 (1981–2011)
Claims Outside the SFHA3 of 3
Most Recent ClaimNov 2011 · other causes

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

The area around 20175 Harbor Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot 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 SystemSOUTHFIELD
serves 71,739 people · EPA ID MI0006160
Water SourcePurchased surface water from SOUTHEASTERN OAKLAND CO W AUTH
Last State InspectionJan 2026
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 481 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: WOW Internet, Cable & Phone.

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