20983 Oak Tree Dr, South Lyon, MI 48178 Property Records

Oakland County property record for 20983 Oak Tree Dr, South Lyon, MI 48178

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,246 sqft · built 2012
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$545,000 (Jan 2024)
Tax Bill	$5,919 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Nov 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`K-21-32-402-009`

Property Details

APN / Parcel Number

Primary APN	`K-21-32-402-009`

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	2,246 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	19,602 sqft (0.45 acres)
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool Type
Pool Area	384 sqft
Porch	Slab
Porch Area	104 sqft
Deck Area	305 sqft
Patio Area	395 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	20983 OAK TREE DR
City	SOUTH LYON
State	MI
Zip	48178-7069
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SV
Legal Description	T1N, R7E, SEC 32 PARK WOODS #3 LOT 101 5-7-03 FR 300-017
Legal Range	07E
Legal Township	01N
Legal Section	32
Legal Subdivision	PARK
Legal Lot Number	5,101
Jurisdiction	OAKLAND MI
Township / Civil Division	LYON
Census Block Group	1
Census Block	1009
Census Tract	138100

Owner

20983 Oak Tree Dr is owned and occupied by two individuals who bought it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	20983 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
Jan 29, 2024	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
Nov 28, 2023	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Sep 26, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VIBE CU
Dec 21, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Mar 29, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Feb 24, 2017	Deed of Trust, Mortgage · Commercial Mortgage CHEMICAL BANK
May 22, 2020	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2024 · Amount on File
Deed Sale	Jan 29, 2024 · Amount on File
Prior Sale	Nov 28, 2023 · Amount on File
Deed Document Number	20249500
Deed Book / Page	59138 / 195
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 29, 2024
Property Address	20983 OAK TREE DR, SOUTH LYON, MI 48178-7069
Document Number	0000009500
Book / Page	59138 / 195
Map Reference	LB 286 PG 26
Instrument Date	Jan 19, 2024
Instrument	9500
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,087.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20983 OAK TREE DR, SOUTH LYON, MI 48178-7069

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20983 OAK TREE DR, SOUTH LYON, MI 48178-7069

Mortgage

Document Number	0000010766
Date	Feb 1, 2024
Book Page	59144/386
Instrument	10766

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Feb 1, 2029
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year T-Bill
Max Rate	10.1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 28, 2023
Property Address	20983 OAK TREE DR, SOUTH LYON, MI 48178-7069
Document Number	0000128791
Book / Page	59028 / 483
Map Reference	LB 286 PG 26
Instrument Date	Oct 27, 2023
Instrument	128791
Transaction Type	Transfer
Record Updated	Dec 18, 2023
Title Company	PEAK TITLE AGENCY, PEAK TITLE AGENCY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,087.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20983 OAK TREE DR, SOUTH LYON, MI 48178-7069

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20414 HUBBARD ST, LIVONIA, MI 48152-4219

Mortgage

Document Number	0000123712
Date	Nov 14, 2023
Book Page	59000/862
Instrument	123712

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20983 OAK TREE DR, SOUTH LYON, MI 48178-7069
Transaction Type	Mortgage
Record Updated	Oct 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20983 OAK TREE DR, SOUTH LYON, MI 48178-7069

Mortgage

Document Number	0000449757
Date	Sep 26, 2022
Book Page	58143/282
Instrument	449757

Lender

Name	VIBE CU
Type	Credit Union
Address	NOVI, MI 48377

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2042

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20983 OAK TREE DR, SOUTH LYON, MI 48178-7069
Transaction Type	Mortgage
Record Updated	Feb 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20983 OAK TREE DR, SOUTH LYON, MI 48178-7069

Mortgage

Document Number	0000279995
Date	Dec 21, 2021
Book Page	57212/544
Instrument	279995

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20983 OAK TREE DR, SOUTH LYON, MI 48178-7069
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20983 OAK TREE DR, SALINE, MI 48176

Mortgage

Document Number	0000079150
Date	Mar 29, 2021
Book Page	55962/554
Instrument	79150

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20983 OAK TREE DR, SOUTH LYON, MI 48178-7069
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035035
Date	Feb 24, 2017
Book Page	50415/00567
Instrument	35035

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48640

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	20983 OAK TREE DR, SOUTH LYON, MI 48178-7069
Document Number	0000114323
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	20983 OAK TREE DR SOUTH LYON MI 481787069, SOUTH LYON, MI 48178-7069

Mortgage

Document Number	0000114323
Date	Jun 15, 2020
Book Page	054348/000378
Instrument	114323

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 20983 Oak Tree Dr was $5,919 with a homeowner's exemption, down 21.7% 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	$5,919.00 (-21.68%) Homeowner's exemption	$274,780	$549,560
2024	$7,557.00
2023		$209,640	$419,280
2021	$4,592.00

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 20983 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 20983 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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