20860 Oak Tree Dr, South Lyon, MI 48178 Property Records

Oakland County property record for 20860 Oak Tree Dr, South Lyon, MI 48178

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,951 sqft · built 2005
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$342,500 (Mar 2017)
Tax Bill	$3,776 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`K-21-32-403-006`

Property Details

APN / Parcel Number

Primary APN	`K-21-32-403-006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,951 sqft Living Area
1st Floor Area	1,933 sqft
Basement Area	1,899 sqft
Unfinished Basement	1,899 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	17,424 sqft (0.4 acres)
Garage Area	762 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	132 sqft
Deck Area	262 sqft
Patio Area	262 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20860 OAK TREE DR
City	SOUTH LYON
State	MI
Zip	48178-7068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T1N, R7E, SEC 32 PARK WOODS #3 LOT 92 5-7-03 FR 300-017
Legal Range	07E
Legal Township	01N
Legal Section	32
Legal Subdivision	PARK
Legal Lot Number	5,92
Jurisdiction	OAKLAND MI
Township / Civil Division	LYON
Census Block Group	1
Census Block	1002
Census Tract	138100

Owner

20860 Oak Tree Dr is owned and occupied by two individuals who acquired it in March 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	20860 OAK TREE DR, SOUTH LYON, MI 48178-7068
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage VIBE CU
Apr 19, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 16, 2017	Warranty Deed, Transfer · Conventional Mortgage VIBE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2017 · Amount on File
Deed Sale	Mar 16, 2017 · Amount on File
Prior Sale	Feb 15, 2006 · Amount on File
Deed Document Number	201749388
Deed Book / Page	50476 / 505
Last Transfer Date	Mar 13, 2018
Transfer Doc	0000067425
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20860 OAK TREE DR, SOUTH LYON, MI 48178-7068
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20860 OAK TREE DR, SOUTH LYON, MI 48178-7068

Mortgage

Document Number	0000070358
Date	Mar 18, 2021
Book Page	55903/36
Instrument	70358

Lender

Name	VIBE CU
Type	Credit Union
Address	NOVI, MI 48377

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 19, 2018
Property Address	20860 OAK TREE DR, SOUTH LYON, MI 48178-7068
Document Number	0000067425
Book / Page	051739 / 000167
Instrument Date	Mar 13, 2018
Instrument	67425
Transaction Type	Transfer
Record Updated	May 4, 2018
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	Husband and Wife
Address	20860 OAK TREE DR SOUTH LYON MI 481787068, SOUTH LYON, MI 48178-7068

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 16, 2017
Property Address	20860 OAK TREE DR, SOUTH LYON, MI 48178-7068
Document Number	0000049388
Book / Page	050476 / 000505
Instrument Date	Mar 14, 2017
Instrument	49388
Transaction Type	Transfer
Record Updated	Jan 31, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,945.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7937 CHARRINGTON DR CANTON MI 481871840, CANTON, MI 48187-1840

Mortgage

Document Number	49389
Date	Mar 16, 2017
Book Page	050476/000507
Instrument	49389

Lender

Name	VIBE CU
Type	Credit Union
Address	NOVI, MI 48377

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20860 Oak Tree Dr was $3,776 with a homeowner's exemption, down 29.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Lyon Charter Township
Unified School District	South Lyon Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,776.00 (-29.09%) Homeowner's exemption	$212,900	$425,800
2024	$5,325.00
2023		$161,960	$323,920
2021	$4,474.00

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 20860 Oak Tree Dr in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 20860 Oak Tree Dr is low, with a 0.01% annual chance of wildfire.

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

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

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 SOUTH LYON serves 11,055 people · EPA ID MI0006110
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2025) action level 15 ppb
Copper	1.4 mg/L (2017) action level 1.3 mg/L

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 76 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

May also be available: AT&T, Spectrum.

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