Oakland County property record for 2040 Blue Stone Ln, Commerce Township, MI 48390
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 2.5 ba · 2,438 sqft · built 1996 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,962 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Nov 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | E-17-23-226-073 |
| Primary APN | E-17-23-226-073 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,438 sqft Living Area |
| 1st Floor Area | 1,329 sqft |
| Basement Area | 1,169 sqft |
| Unfinished Basement | 1,169 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Area | 412 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2040 BLUE STONE LN |
|---|---|
| City | COMMERCE TOWNSHIP |
| State | MI |
| Zip | 48390-1526 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | KI |
| Legal Description | T2N, R8E, SEC 23 OAKLAND COUNTY CONDOMINIUM PLAN NO 766 STONE GATE UNIT 71 L 12725 P 701 6-8-94 FR 038 |
| Legal Range | 08E |
| Legal Township | 02N |
| Legal Section | 02 |
| Legal Subdivision | OAKLAND COUNTY CONDOMINIUM |
| Legal Unit | 71 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | COMMERCE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 134500 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2040 BLUE STONE LN, COMMERCE TOWNSHIP, MI 48390-1526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 12, 2017 | Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA |
| Nov 30, 2018 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 1998 |
| Deed Sale | Apr 1, 1998 |
| Prior Sale | May 28, 1996 · Amount on Record |
| Prior Transfer Date | Feb 20, 1998 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2040 BLUE STONE LN, COMMERCE TOWNSHIP, MI 48390-1526 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000226928 |
|---|---|
| Date | Dec 12, 2017 |
| Book Page | 51380/00181 |
| Instrument | 226928 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jan 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.5% |
| Index | 1-Year LIBOR |
| Max Rate | 8.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2040 BLUE STONE LN, COMMERCE TOWNSHIP, MI 48390-1526 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000194092 |
|---|---|
| Date | Nov 30, 2018 |
| Book Page | 52401/00621 |
| Instrument | 194092 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 5, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Commerce Charter Township |
| Unified School District | Walled Lake Consolidated Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,962.00 (-36.63%) Homeowner's exemption | $220,640 (+13.15%) | $441,280 (+13.15%) |
| 2024 | $4,674.00 (+13.92%) | ||
| 2023 | $195,000 | $390,000 | |
| 2021 | $4,103.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | COMMERCE TOWNSHIP serves 19,811 people · EPA ID MI0001573 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | Nov 2021 |
| Lead | Under 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 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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