20935 Oak Tree Dr, South Lyon, MI 48178 Property Records

Oakland County property record for 20935 Oak Tree Dr, South Lyon, MI 48178

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,931 sqft · built 2005
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$356,500 (Sep 2017)
Tax Bill	$3,936 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Jan 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`K-21-32-402-006`

Property Details

APN / Parcel Number

Primary APN	`K-21-32-402-006`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,931 sqft Living Area
1st Floor Area	1,909 sqft
Basement Area	1,909 sqft
Unfinished Basement	1,909 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
Lot Area	16,553 sqft (0.38 acres)
Garage Area	789 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	42 sqft
Deck Area	336 sqft
Patio Area	336 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	20935 OAK TREE DR
City	SOUTH LYON
State	MI
Zip	48178-7069
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T1N, R7E, SEC 32 PARK WOODS #3 LOT 98 5-7-03 FR 300-017
Legal Range	07E
Legal Township	01N
Legal Section	32
Legal Subdivision	PARK
Legal Lot Number	5,98
Jurisdiction	OAKLAND MI
Township / Civil Division	LYON
Census Block Group	1
Census Block	1009
Census Tract	138100

Owner

20935 Oak Tree Dr is owned and occupied by two individuals who bought it in September 2017.

Source: Oakland County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20935 OAK TREE DR, SOUTH LYON, MI 48178-7069
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 27, 2023	Deed of Trust, Mortgage · Line of Credit GENISYS CU
Jan 21, 2022	Deed of Trust, Mortgage · Line of Credit GENISYS CU
Jun 19, 2020	Deed of Trust, Mortgage · Conventional with PMI GENISYS CU
Sep 19, 2017	Warranty Deed, Transfer · Conventional Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2017 · Amount on File
Deed Sale	Sep 19, 2017 · Amount on File
Prior Sale	Jul 8, 2015 · Amount on File
Deed Document Number	20173430
Deed Book / Page	51083 / 224
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20935 OAK TREE DR, SOUTH LYON, MI 48178-7069
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20935 OAK TREE DR, SOUTH LYON, MI 48178-7069

Mortgage

Document Number	0000128472
Date	Nov 27, 2023
Book Page	59026/530
Instrument	128472

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 17, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20935 OAK TREE DR, SOUTH LYON, MI 48178-7069
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20935 OAK TREE DR, SOUTH LYON, MI 48178-7069

Mortgage

Document Number	0000300434
Date	Jan 21, 2022
Book Page	57331/847
Instrument	300434

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	238 Months
Due	Nov 22, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20935 OAK TREE DR, SOUTH LYON, MI 48178-7069
Document Number	0000123652
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20935 OAK TREE DR SOUTH LYON MI 481787069, SOUTH LYON, MI 48178-7069

Mortgage

Document Number	0000123652
Date	Jun 24, 2020
Book Page	054405/000356
Instrument	123652

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jun 23, 2035

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 19, 2017
Property Address	20935 OAK TREE DR, SOUTH LYON, MI 48178-7069
Document Number	0000173430
Book / Page	51083 / 00224
Map Reference	LB 286 PG 26-29
Instrument Date	Aug 29, 2017
Instrument	173430
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,065.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20935 OAK TREE DR, 20935, SOUTH LYON, MI 48178-7069

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11065 HILLEREST ST, LIVONIA, MI 48150-2921

Mortgage

Document Number	0000173343
Date	Sep 19, 2017
Instrument	173343

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20935 Oak Tree Dr was $3,936 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	$3,936.00 (-29.09%) Homeowner's exemption	$221,760	$443,520
2024	$5,551.00
2023		$168,820	$337,640
2021	$4,666.00

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 20935 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 20935 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 104 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
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Spectrum.

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