2205 E 4th St, Royal Oak, MI 48067 Property Records

Oakland County property record for 2205 E 4th St, Royal Oak, MI 48067 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,038 sqft · built 1950
Lot Size	0.101 acres (4,400 sqft)
Owner	2 Individual Names on File
Last Sale	$232,000 (Dec 2018)
Tax Bill	$2,473 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`72-25-23-126-045`

Property Details

APN / Parcel Number

Primary APN	`72-25-23-126-045`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,038 sqft Living Area
1st Floor Area	819 sqft
Basement Area	819 sqft
Unfinished Basement	819 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Asbestos
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,400 sqft (0.101 acres)
Lot Dimensions	110 ft deep x 40 ft wide
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	2205 E 4TH ST
City	ROYAL OAK
State	MI
Zip	48067-3923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T1N, R11E, SEC 23 HOME GARDENS SUB NO 1 LOTS 630 & 631, 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	630-631
Jurisdiction	OAKLAND MI
Township / Civil Division	ROYAL OAK
Census Block Group	1
Census Block	1008
Census Tract	184300

Owner

Source: Oakland County records · APN 72-25-23-126-045

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	2 Individual Names on File
Mailing Address	2205 E 4TH ST, ROYAL OAK, MI 48067-3923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 15, 2018	Deed of Trust, Mortgage · ARM THE STATE BANK
Aug 06, 2019	Deed of Trust, Mortgage · Conventional with PMI FIRSTBANK
Dec 28, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE INS CO
Aug 21, 2018	Deed of Trust, Mortgage · Line of Credit MICHIGAN EDUCATIONAL CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 28, 2018 · Amount on Record
Deed Sale	Dec 28, 2018 · Amount on Record
Prior Sale	Aug 20, 2004 · Amount on Record
Deed Document Number	2018207736
Deed Book / Page	52471 / 801
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2205 E 4TH ST, ROYAL OAK, MI 48067-3923
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 E 4TH ST, ROYAL OAK, MI 48067-3923

Mortgage

Document Number	0000044525
Date	Feb 18, 2021
Book Page	55733/233
Instrument	44525

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 01, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2205 E 4TH ST, ROYAL OAK, MI 48067-3923
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000168815
Date	Oct 15, 2018
Book Page	52270/00001
Instrument	168815

Lender

Name	THE STATE BANK
Type	Bank
Address	FENTON, MI 48430

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Nov 01, 2025
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7%
Index	1-Year CMT
Max Rate	11%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2205 E 4TH ST, ROYAL OAK, MI 48067-3923
Document Number	0000130615
Instrument Date	Aug 06, 2019
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2205 E 4TH ST ROYAL OAK MI 480673923, ROYAL OAK, MI 48067-3923

Mortgage

Document Number	0000130615
Date	Aug 14, 2019
Book Page	053135/000036
Instrument	130615

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 28, 2018
Property Address	2205 E 4TH ST, ROYAL OAK, MI 48067-3923
Document Number	0000207736
Book / Page	52471 / 00801
Map Reference	LB 34 PG 30
Instrument Date	Nov 20, 2018
Instrument	207736
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$1,995.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2205 E 4TH ST, 2205, ROYAL OAK, MI 48067-3923

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 E 4TH ST, ROYAL OAK, MI 48067-3923

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2205 E 4TH ST, ROYAL OAK, MI 48067-3923
Document Number	0000155316
Instrument Date	Aug 21, 2018
Transaction Type	Mortgage
Record Updated	Oct 15, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2205 E 4TH ST ROYAL OAK MI 480673923, ROYAL OAK, MI 48067-3923

Mortgage

Document Number	0000155316
Date	Sep 20, 2018
Book Page	052202/000304
Instrument	155316

Lender

Name	MICHIGAN EDUCATIONAL CU
Type	Credit Union
Address	PLYMOUTH, MI 48170

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$2,473.00 (-22.06%) Homeowner's exemption	$128,100	$256,200
2024	$3,173.00

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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