2109 E 4th St, Royal Oak, MI 48067 Property Records

Oakland County property record for 2109 E 4th St, Royal Oak, MI 48067 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,260 sqft · built 1950
Lot Size	0.157 acres (6,839 sqft)
Owner	Individual Name on File
Last Sale	$183,000 (Dec 2015)
Tax Bill	$3,302 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`72-25-23-105-047`

Property Details

APN / Parcel Number

Primary APN	`72-25-23-105-047`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	831 sqft
Basement Area	831 sqft
Finished Basement	831 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	6,839 sqft (0.157 acres)
Lot Dimensions	193 ft deep x 45 ft wide
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	82 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2109 E 4TH ST
City	ROYAL OAK
State	MI
Zip	48067-3921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T1N, R11E, SEC 23 HOME GARDENS LOTS 48 & 49, ALSO LOT 622 OF 'HOME GARDENS SUB NO 1', ALSO 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	23
Legal Subdivision	HOME GARDENS SUB
Legal Lot Number	622
Jurisdiction	OAKLAND MI
Township / Civil Division	ROYAL OAK
Census Block Group	1
Census Block	1009
Census Tract	184300

Owner

Source: Oakland County records · APN 72-25-23-105-047

Assessment roll updated January 21, 2026 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	2109 E 4TH ST, ROYAL OAK, MI 48067-3921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 20, 2017	Deed of Trust, Mortgage · FHA Mortgage TOWNE MORTGAGE CO
May 01, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 08, 2015 · Amount on Record
Deed Sale	Dec 08, 2015 · Amount on Record
Deed Document Number	2015237372
Deed Book / Page	48863 / 714
Prior Transfer Date	Aug 18, 2003
Prior Transfer Doc	0316640634
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2109 E 4TH ST, ROYAL OAK, MI 48067-3921
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000070870
Date	Mar 19, 2021
Book Page	55906/707
Instrument	70870

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 25, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2109 E 4TH ST, ROYAL OAK, MI 48067-3921
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 E 4TH ST, ROYAL OAK, MI 48067-3921

Mortgage

Document Number	0000185877
Date	Sep 15, 2020
Book Page	54823/165
Instrument	185877

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2109 E 4TH ST, ROYAL OAK, MI 48067-3921
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000214078
Date	Nov 20, 2017
Book Page	51310/00145
Instrument	214078

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2047

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	May 01, 2017
Property Address	2109 E 4TH ST, ROYAL OAK, MI 48067-3921
Document Number	0000086502
Book / Page	050622 / 000070
Instrument Date	May 01, 2017
Instrument	86502
Transaction Type	Transfer
Record Updated	Jun 20, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 E 4TH ST ROYAL OAK MI 480673921, ROYAL OAK, MI 48067-3921

Tax Assessment & Valuation

Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,302.00 (-22.05%) Homeowner's exemption	$156,660	$313,320
2024	$4,236.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oakland County (26125C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261251843001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 970 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	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 at this address: AT&T, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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