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204 Charles Rd, Rochester, MI 48307 Property Records

Oakland County property record for 204 Charles Rd, Rochester, MI 48307

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,299 sqft · built 1955
Lot Size0.288 acres (12,545 sqft)
Owner2 Individual Names on File
Last Sale$650,000 (Sep 2023)
Tax Bill$8,325 (2025)
Deeds & MortgagesSep 2023 Sale & Mortgage
Aug 2018 Construction Loan
+ 3 more
Flood ZoneZone X (minimal risk)
APN68-15-11-351-005

Property Details

APN / Parcel Number

Primary APN68-15-11-351-005

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area2,299 sqft Living Area
1st Floor Area1,607 sqft
Basement Area1,607 sqft
Unfinished Basement1,607 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 2018
Architectural StyleBungalow
Exterior MaterialBrick
Construction TypeBrick
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area12,545 sqft (0.288 acres)
Lot Dimensions160 ft deep x 78 ft wide
Garage Area455 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area114 sqft
Deck Area371 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address204 CHARLES RD
CityROCHESTER
StateMI
Zip48307-1602
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRI
Legal DescriptionT3N, R11E, SEC 11 OAK BLUFF SUB LOT 30
Legal Range11E
Legal Township03N
Legal Section11
Legal SubdivisionOAK BLUFF SUB
Legal Lot Number30
JurisdictionOAKLAND MI
Township / Civil DivisionROCHESTER
Census Block Group4
Census Block4002
Census Tract191200

Owner

204 Charles Rd is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record2 Individual Names on File
Mailing Address204 CHARLES RD, ROCHESTER, MI 48307-1602
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

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
Sep 6, 2023Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Aug 17, 2018Deed of Trust, Mortgage · Construction Mortgage
CHEMICAL BANK
Sep 18, 2018Warranty Deed, Transfer
Jul 9, 2018Trustee's Deed, Construction Loan · Construction Mortgage
CHEMICAL BK
Jul 19, 2017Warranty Deed, Transfer · Conventional Mortgage
STAUNTON FINANCIAL INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 6, 2023 · Amount on File
Deed SaleSep 6, 2023 · Amount on File
Prior SaleJul 19, 2017 · Amount on File
Deed Document Number202397051
Deed Book / Page58854 / 193
Prior Transfer DateJul 15, 2015
Prior Transfer Doc0000160310
Record UpdatedOct 29, 2026

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateSep 6, 2023
Property Address204 CHARLES RD, ROCHESTER, MI 48307-1602
Document Number0000097051
Book / Page58854 / 193
Map ReferenceLB 59 PG 34
Instrument DateAug 29, 2023
Instrument97051
Transaction TypeTransfer
Record UpdatedSep 15, 2023
Title CompanyDEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,875.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address204 CHARLES RD, ROCHESTER, MI 48307-1602

Transferred To (Grantee/Buyer)

NameVerified Name
Address204 CHARLES RD, ROCHESTER, MI 48307-1602

Mortgage

Document Number0000098103
DateSep 7, 2023
Book Page58860/610
Instrument98103
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2053

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address204 CHARLES RD, ROCHESTER, MI 48307-1602
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000137157
DateAug 17, 2018
Book Page52104/00288
Instrument137157
Lender
NameCHEMICAL BANK
TypeBank
AddressWYOMING, MI 49519
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2048
Interest
Rate TypeAdjustable Rate
Rate3.74%
Type Change DateAug 1, 2026
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change8.74%
Index1-Year LIBOR
Max Rate8.74%

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateSep 18, 2018
Property Address204 CHARLES RD, ROCHESTER, MI 48307-1602
Document Number0000153047
Book / Page052190 / 000437
Instrument DateAug 31, 2018
Instrument153047
Transaction TypeTransfer
Record UpdatedJan 16, 2019

Transaction

AmountAmount on Record
Tax$1,152.40
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressN3443 FOUR SEASONS DR IRON MOUNTAIN MI 498019465, IRON MOUNTAIN, MI 49801-9465

July 2018: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionOAKLAND MI
Recording DateJul 9, 2018
Property Address204 CHARLES RD, ROCHESTER, MI 48307-1602
Book / Page051977 / 000806
Instrument DateJul 3, 2018
Instrument113358
Transaction TypeConstruction Loan
Record UpdatedAug 1, 2018
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address356 CHARLES RD ROCHESTER MI 483071607, ROCHESTER, MI 48307-1607

Mortgage

Document Number0000113358
DateJul 9, 2018
Book Page051977/000806
Instrument113358
Lender
NameCHEMICAL BK
TypeBank
AddressWYOMING, MI 49519
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term360 Months
DueJul 8, 2048
Interest
Rate TypeAdjustable Rate
Rate3.74%

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateJul 19, 2017
Property Address204 CHARLES RD, ROCHESTER, MI 48307-1602
Document Number0000136644
Book / Page50880 / 00566
Map ReferenceLB 59 PG 34
Instrument DateJul 7, 2017
Instrument136644
Transaction TypeTransfer
Record UpdatedJun 29, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,203.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address420 W 3RD ST, 420, ROCHESTER, MI 48307-1912

Transferred To (Grantee/Buyer)

NameVerified Name
Address356 CHARLES RD, ROCHESTER, MI 48307-1607

Mortgage

Document Number0000136645
DateJul 19, 2017
Instrument136645
Lender
NameSTAUNTON FINANCIAL INC
TypeNon-Lending Institution
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 204 Charles Rd was $8,325 with a homeowner's exemption, down 8.4% from the year before.

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

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
MunicipalityRochester City
Unified School DistrictRochester Community School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,325.00 (-8.45%) Homeowner's exemption$301,270$602,540
2024$9,093.00
2023$236,980$473,960
2021$6,295.00

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

FEMA maps place 204 Charles Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 204 Charles Rd 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 SystemROCHESTER
serves 7,130 people · EPA ID MI0005720
Water SourceGroundwater
Last State InspectionMay 2025
Lead2 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		1,000 / 75
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

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