20908 Oak Tree Dr, South Lyon, MI 48178 Property Records

Oakland County property record for 20908 Oak Tree Dr, South Lyon, MI 48178

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,251 sqft · built 2011
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$555,000 (Mar 2024)
Tax Bill	$5,545 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2024 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`K-21-32-403-003`

Property Details

APN / Parcel Number

Primary APN	`K-21-32-403-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,251 sqft Living Area
1st Floor Area	1,106 sqft
Basement Area	1,106 sqft
Unfinished Basement	1,106 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	18,731 sqft (0.43 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	37 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	20908 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 89 5-7-03 FR 300-017
Legal Range	07E
Legal Township	01N
Legal Section	32
Legal Subdivision	PARK
Legal Lot Number	5,89
Jurisdiction	OAKLAND MI
Township / Civil Division	LYON
Census Block Group	1
Census Block	1002
Census Tract	138100

Owner

20908 Oak Tree Dr is owned and occupied by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	3691 W COON LAKE RD, HOWELL, MI 48843-8971
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Mar 14, 2024	Warranty Deed, Transfer NOT AVAILABLE, MODERN TITLE GROUP
Apr 4, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VIBE CU
Sep 13, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 11, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 19, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2024 · Amount on File
Deed Sale	Mar 14, 2024 · Amount on File
Prior Sale	Nov 15, 2011 · Amount on File
Deed Document Number	202425392
Deed Book / Page	59222 / 326
Prior Transfer Date	Nov 3, 2020
Prior Transfer Doc	0000244266
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20908 OAK TREE DR, SOUTH LYON, MI 48178-7068
Transaction Type	Mortgage
Record Updated	Mar 28, 2024
Title Company	LIBERTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3691 W COON LAKE RD, HOWELL, MI 48843-8971

Mortgage

Document Number	0000024291
Date	Mar 12, 2024
Book Page	59216/181
Instrument	24291

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	ALLEN, TX 75013

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 14, 2024
Property Address	20908 OAK TREE DR, SOUTH LYON, MI 48178-7068
Document Number	0000025392
Book / Page	59222 / 326
Map Reference	LB 286 PG 26
Instrument Date	Mar 8, 2024
Instrument	25392
Transaction Type	Transfer
Record Updated	Mar 28, 2024
Title Company	NOT AVAILABLE, MODERN TITLE GROUP

Transaction

Amount	Amount on Record
Tax	$4,162.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20908 OAK TREE DR, SOUTH LYON, MI 48178-7068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20908 OAK TREE DR, SOUTH LYON, MI 48178-7068

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20908 OAK TREE DR, SOUTH LYON, MI 48178-7068
Transaction Type	Mortgage
Record Updated	Apr 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20908 OAK TREE DR, SOUTH LYON, MI 48178-7068

Mortgage

Document Number	0000031897
Date	Apr 4, 2023
Book Page	58514/839
Instrument	31897

Lender

Name	VIBE CU
Type	Credit Union
Address	NOVI, MI 48377

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2043

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20908 OAK TREE DR, SOUTH LYON, MI 48178-7068
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20908 OAK TREE DR, SOUTH LYON, MI 48178-7068

Mortgage

Document Number	0000219392
Date	Sep 13, 2021
Book Page	56837/57
Instrument	219392

Lender

Name	CITIZENS BANK
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Aug 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20908 OAK TREE DR, SOUTH LYON, MI 48178-7068
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000148330
Date	Sep 11, 2019
Book Page	53239/00596
Instrument	148330

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Aug 21, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Nov 19, 2020
Property Address	20908 OAK TREE DR, SOUTH LYON, MI 48178-7068
Document Number	0000244266
Book / Page	55202 / 270
Map Reference	LB 286 PG 26-29
Instrument Date	Nov 3, 2020
Instrument	244266
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20908 OAK TREE DR, SOUTH LYON, MI 48178-7068

Tax Assessment & Valuation

The 2025 property tax bill for 20908 Oak Tree Dr was $5,545 with a homeowner's exemption, up 27.9% 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	$5,545.00 (+27.91%) Homeowner's exemption	$257,430	$514,860
2024	$4,335.00
2023		$198,210	$396,420
2021	$3,561.00

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 20908 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 20908 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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