2218 E 4th St, Royal Oak, MI 48067 Property Records

Oakland County property record for 2218 E 4th St, Royal Oak, MI 48067

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,063 sqft · built 1950
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on File
Last Sale	$277,000 (Aug 2022)
Tax Bill	$3,671 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`72-25-23-176-005`

Property Details

APN / Parcel Number

Primary APN	`72-25-23-176-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,063 sqft Living Area
1st Floor Area	839 sqft
Basement Area	839 sqft
Finished Basement	839 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	4,400 sqft (0.101 acres)
Lot Dimensions	110 ft deep x 40 ft wide
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	78 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2218 E 4TH ST
City	ROYAL OAK
State	MI
Zip	48067-3924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ONE FAM
Legal Description	T1N, R11E, SEC 23 HOME GARDENS SUB NO 1 LOTS 654 & 655, 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	654-655
Jurisdiction	OAKLAND MI
Township / Civil Division	ROYAL OAK
Census Block Group	1
Census Block	1025
Census Tract	184300

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	2218 E 4TH ST, ROYAL OAK, MI 48067-3924
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Aug 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 10, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 24, 2022 · Amount on Record
Deed Sale	Aug 24, 2022 · Amount on Record
Prior Sale	Dec 10, 2018 · Amount on Record
Deed Document Number	2022434355
Deed Book / Page	58059 / 578
Last Transfer Date	Aug 21, 2024
Transfer Doc	0000101075
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 24, 2022
Property Address	2218 E 4TH ST, ROYAL OAK, MI 48067-3924
Document Number	0000434355
Book / Page	58059 / 578
Map Reference	LB 34 PG 30
Instrument Date	Aug 17, 2022
Instrument	434355
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,077.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 E 4TH ST, 228, ROYAL OAK, MI 48067-2607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2218 E 4TH ST, ROYAL OAK, MI 48067-3924

Mortgage

Document Number	0058064795
Date	Aug 24, 2022
Instrument	58064/795

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.62%
Index	1-Year CMT
Max Rate	9.62%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2218 E 4TH ST, ROYAL OAK, MI 48067-3924
Transaction Type	Mortgage
Record Updated	Sep 2, 2021
Title Company	EMBASSY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2218 E 4TH ST, ROYAL OAK, MI 48067-3924

Mortgage

Document Number	0000203033
Date	Aug 19, 2021
Book Page	56724/850
Instrument	203033

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Sep 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2218 E 4TH ST, ROYAL OAK, MI 48067-3924
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2218 E 4TH ST, ROYAL OAK, MI 48067-3924

Mortgage

Document Number	0000206938
Date	Oct 7, 2020
Book Page	54962/726
Instrument	206938

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2218 E 4TH ST, ROYAL OAK, MI 48067-3924
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000117297
Date	Jul 23, 2019
Book Page	53053/00490
Instrument	117297

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 10, 2018
Property Address	2218 E 4TH ST, ROYAL OAK, MI 48067-3924
Document Number	0000198721
Book / Page	52425 / 00331
Map Reference	LB 34 PG 30
Instrument Date	Dec 3, 2018
Instrument	198721
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,651.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2218 E 4TH ST, 2218, ROYAL OAK, MI 48067-3924

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2218 E 4TH ST, ROYAL OAK, MI 48067-3924

Mortgage

Document Number	0000198722
Date	Dec 10, 2018
Instrument	198722

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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	$3,671.00 (-22.08%) Homeowner's exemption	$144,240	$288,480
2024	$4,711.00

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

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 USA.

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