20876 Oak Tree Dr, South Lyon, MI 48178 Property Records

Oakland County property record for 20876 Oak Tree Dr, South Lyon, MI 48178

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,210 sqft · built 2003
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Nov 2023)
Tax Bill	$4,647 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`K-21-32-403-005`

Property Details

APN / Parcel Number

Primary APN	`K-21-32-403-005`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,210 sqft Living Area
1st Floor Area	1,541 sqft
Basement Area	1,541 sqft
Unfinished Basement	1,541 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	17,860 sqft (0.41 acres)
Garage Area	740 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	121 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	20876 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 91 5-7-03 FR 300-017
Legal Range	07E
Legal Township	01N
Legal Section	32
Legal Subdivision	PARK
Legal Lot Number	5,91
Jurisdiction	OAKLAND MI
Township / Civil Division	LYON
Census Block Group	1
Census Block	1002
Census Tract	138100

Owner

20876 Oak Tree Dr is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	20876 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
Nov 8, 2023	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY FINANCIAL CU
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit VIBE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2023 · Amount on File
Deed Sale	Nov 8, 2023 · Amount on File
Prior Sale	Apr 4, 2007 · Amount on File
Deed Document Number	2023121969
Deed Book / Page	58992 / 33
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 8, 2023
Property Address	20876 OAK TREE DR, SOUTH LYON, MI 48178-7068
Document Number	0000121969
Book / Page	58992 / 33
Map Reference	LB 286 PG 26-29
Instrument Date	Oct 26, 2023
Instrument	121969
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	MAIN STREET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20876 OAK TREE DR, SOUTH LYON, MI 48178-7068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19982 SILVER SPRING DR # 105, 105, NORTHVILLE, MI 48167-1942

Mortgage

Document Number	0000124827
Date	Nov 15, 2023
Book Page	59007/229
Instrument	124827

Lender

Name	COMMUNITY FINANCIAL CU
Type	Credit Union
Address	PLYMOUTH, MI 48170

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20876 OAK TREE DR, SOUTH LYON, MI 48178-7068
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20876 OAK TREE DR, SOUTH LYON, MI 48178-7068

Mortgage

Document Number	0000160962
Date	Jun 24, 2021
Book Page	56453/34
Instrument	160962

Lender

Name	HALL FINANCIAL GROUP
Type	Non-Lending Institution
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20876 OAK TREE DR, SOUTH LYON, MI 48178-7068
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20876 OAK TREE DR, SOUTH LYON, MI 48178-7068

Mortgage

Document Number	0000321199
Date	Feb 15, 2022
Book Page	57456/222
Instrument	321199

Lender

Name	VIBE CU
Type	Credit Union
Address	NOVI, MI 48377

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 20876 Oak Tree Dr was $4,647 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	$4,647.00 (-29.09%) Homeowner's exemption	$262,410	$524,820
2024	$6,553.00
2023		$181,060	$362,120
2021	$3,604.00

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 20876 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 20876 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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