21995 Clover Ln, Novi, MI 48375 Property Records

Oakland County property record for 21995 Clover Ln, Novi, MI 48375

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,855 sqft · built 1978
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Aug 2021)
Tax Bill	$6,375 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`50-22-36-128-018`

Property Details

APN / Parcel Number

Primary APN	`50-22-36-128-018`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,855 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	21995 CLOVER LN
City	NOVI
State	MI
Zip	48375-5118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	T1N, R8E, SEC 36 WHISPERING MEADOWS SUB NO 2 LOT 131
Legal Range	08E
Legal Township	01N
Legal Section	36
Legal Subdivision	WHISPERING MEADOWS SUB
Legal Lot Number	131
Jurisdiction	OAKLAND MI
Township / Civil Division	NOVI
Census Block Group	2
Census Block	2005
Census Tract	136700

Owner

Source: Oakland County assessment roll, as of January 21, 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	21995 CLOVER LN, NOVI, MI 48375-5118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage ADVISORS CAPITAL INC
Jan 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK
Jul 31, 2018	Quit Claim Deed, Transfer Quitclaim
Jul 31, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 25, 2021 · Amount on Record
Deed Sale	Aug 25, 2021 · Amount on Record
Prior Sale	Feb 4, 2016 · Amount on Record
Deed Document Number	2021206598
Deed Book / Page	56748 / 666
Prior Transfer Date	Sep 20, 2017
Prior Transfer Doc	0000126516
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 25, 2021
Property Address	21995 CLOVER LN, NOVI, MI 48375-5118
Document Number	0000206598
Book / Page	56748 / 666
Map Reference	LB 156 PG 40-42
Instrument Date	Aug 14, 2021
Instrument	206598
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	REPUTATION FIRST TITLE AGENCY, REPUTATION FIRST TTL AGCY LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,483.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21995 CLOVER LN, 21995, NOVI, MI 48375-5118

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21995 CLOVER LN, NOVI, MI 48375-5118

Mortgage

Document Number	0056748668
Date	Aug 25, 2021
Instrument	56748/668

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	21995 CLOVER LN, NOVI, MI 48375-5118
Transaction Type	Mortgage
Record Updated	Feb 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41489 MISSION LN, NOVI, MI 48375-5247

Mortgage

Document Number	0000013942
Date	Jan 19, 2021
Book Page	55522/202
Instrument	13942

Lender

Name	ADVISORS CAPITAL INC
Type	Non-Lending Institution
Address	NOVI, MI 48375

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	21995 CLOVER LN, NOVI, MI 48375-5118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011675
Date	Jan 19, 2017
Book Page	50302/00079
Instrument	011675

Lender

Name	CHEMICAL BANK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 31, 2018
Property Address	21995 CLOVER LN, NOVI, MI 48375-5118
Document Number	0000126517
Book / Page	052044 / 000562
Instrument Date	Jul 16, 2018
Instrument	126517
Transaction Type	Transfer
Record Updated	Aug 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Lifetime Benefit
Address	21995 CLOVER LN NOVI MI 483755118, NOVI, MI 48375-5118

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 31, 2018
Property Address	21995 CLOVER LN, NOVI, MI 48375-5118
Document Number	0000126516
Book / Page	052044 / 000561
Instrument Date	Sep 20, 2017
Instrument	126516
Transaction Type	Transfer
Record Updated	Jan 14, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21995 CLOVER LN NOVI MI 483755118, NOVI, MI 48375-5118

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,375.00 (-11.43%)
2023	$7,198.00 (+6.97%) Homeowner's exemption	$201,990	$403,980
2022	$6,729.00

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

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF NOVI serves 56,780 people · EPA ID MI0004870
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Oct 2025
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

Nearby Properties on Clover Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures