20892 Oak Tree Dr, South Lyon, MI 48178 Property Records

Oakland County property record for 20892 Oak Tree Dr, South Lyon, MI 48178

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,485 sqft · built 2010
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$251,000 (Jul 2010)
Tax Bill	$4,001 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`K-21-32-403-004`

Property Details

APN / Parcel Number

Primary APN	`K-21-32-403-004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,485 sqft Living Area
1st Floor Area	1,373 sqft
Basement Area	1,373 sqft
Unfinished Basement	1,373 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Lot Area	18,731 sqft (0.43 acres)
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces
Pool Area	612 sqft
Porch	Slab
Porch Area	820 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	20892 OAK TREE DR
City	SOUTH LYON
State	MI
Zip	48178-7068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SV
Legal Description	T1N, R7E, SEC 32 PARK WOODS #3 LOT 90 5-7-03 FR 300-017
Legal Range	07E
Legal Township	01N
Legal Section	32
Legal Subdivision	PARK
Legal Lot Number	5,90
Jurisdiction	OAKLAND MI
Township / Civil Division	LYON
Census Block Group	1
Census Block	1002
Census Tract	138100

Owner

20892 Oak Tree Dr is owned and occupied by two individuals who bought it in July 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	20892 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2010 · Amount on File
Deed Sale	Jul 15, 2010 · Amount on File
Prior Sale	Feb 23, 2010 · Amount on File
Deed Document Number	2010128565
Deed Book / Page	42214 / 630
Prior Transfer Date	Dec 7, 2009
Prior Transfer Doc	0000222888
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20892 OAK TREE DR, SOUTH LYON, MI 48178-7068
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20892 OAK TREE DR, SOUTH LYON, MI 48178-7068

Mortgage

Document Number	0000233567
Date	Nov 6, 2020
Book Page	55135/388
Instrument	233567

Lender

Name	MORTGAGE CENTRAL LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 20892 Oak Tree Dr was $4,001 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	$4,001.00 (-29.09%) Homeowner's exemption	$295,770	$591,540
2024	$5,642.00
2023		$228,380	$456,760
2021	$4,635.00

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

Flood

FEMA maps place 20892 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 20892 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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