2105 E 4th St, Royal Oak, MI 48067 Property Records

Oakland County property record for 2105 E 4th St, Royal Oak, MI 48067

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,043 sqft · built 1950
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$278,000 (Mar 2020)
Tax Bill	$3,940 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`72-25-23-105-038`

Property Details

APN / Parcel Number

Primary APN	`72-25-23-105-038`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,043 sqft Living Area
1st Floor Area	823 sqft
Basement Area	823 sqft
Finished Basement	823 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	109 ft deep x 40 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	2105 E 4TH ST
City	ROYAL OAK
State	MI
Zip	48067-3921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ONE FAM
Legal Description	T1N, R11E, SEC 23 HOME GARDENS LOTS 46 & 47, ALSO 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	23
Legal Subdivision	HOME GARDENS
Legal Lot Number	46-47
Jurisdiction	OAKLAND MI
Township / Civil Division	ROYAL OAK
Census Block Group	1
Census Block	1009
Census Tract	184300

Owner

Source: Oakland County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2105 E 4TH ST, ROYAL OAK, MI 48067-3921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Mar 20, 2020	Warranty Deed, Transfer · Conventional with PMI SOMERSET LNDG
Aug 20, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Feb 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2020 · Amount on Record
Deed Sale	Mar 20, 2020 · Amount on Record
Prior Sale	Aug 20, 2019 · Amount on Record
Deed Document Number	202053271
Deed Book / Page	53966 / 438
Prior Transfer Date	Jan 31, 2019
Prior Transfer Doc	0000021263
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Jul 9, 2026
Property Address	2105 E 4TH ST, ROYAL OAK, MI 48067-3921
Document Number	0000097877
Book / Page	61348 / 491
Instrument Date	May 13, 2026
Instrument	202697877
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 E 4TH ST, ROYAL OAK, MI 48067-3921

Mortgage

Document Number	0000097877,
Date	Jul 9, 2026
Book Page	61348/491
Instrument	202697877

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 20, 2020
Property Address	2105 E 4TH ST, ROYAL OAK, MI 48067-3921
Document Number	0000053271
Book / Page	053966 / 000438
Instrument Date	Mar 16, 2020
Instrument	53271
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	ALLEGIANCE TITLE COMPANY, ALLEGIANCE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,391.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	302 WILLOW GROVE LN ROCHESTER HILLS MI 483072553, ROCHESTER HILLS, MI 48307-2553

Mortgage

Document Number	53272
Date	Mar 20, 2020
Book Page	053966/000440
Instrument	53272

Lender

Name	SOMERSET LNDG
Address	ROCHESTER, MI 48307

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 20, 2019
Property Address	2105 E 4TH ST, ROYAL OAK, MI 48067-3921
Document Number	0000134533
Book / Page	053157 / 000302
Instrument Date	Aug 7, 2019
Instrument	134533
Transaction Type	Transfer
Record Updated	Sep 11, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$1,548.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 LONGFELLOW AVE ROYAL OAK MI 480673318, ROYAL OAK, MI 48067-3318

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 13, 2019
Property Address	2105 E 4TH ST, ROYAL OAK, MI 48067-3921
Document Number	0000021263
Book / Page	052575 / 000879
Instrument Date	Jan 31, 2019
Instrument	21263
Transaction Type	Transfer
Record Updated	Feb 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11605 30TH AVE EVART MI 496317102, EVART, MI 49631-7102

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Royal Oak City
Unified School District	Royal Oak City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,940.00 (-22.06%) Homeowner's exemption	$157,990	$315,980
2024	$5,055.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 ROYAL OAK serves 57,236 people · EPA ID MI0005830
Water Source	Purchased surface water from SOUTHEASTERN OAKLAND CO W AUTH
Last State Inspection	May 2025
Lead	4 ppb (2025) action level 15 ppb

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 970 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75

May also be available: T-Mobile.

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