22181 Gardner St, Oak Park, MI 48237 Property Records

Oakland County property record for 22181 Gardner St, Oak Park, MI 48237

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,260 sqft · built 1954
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$197,000 (Jun 2021)
Tax Bill	$4,940 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-25-31-202-023`

Property Details

APN / Parcel Number

Primary APN	`52-25-31-202-023`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	135 ft deep x 42 ft wide
Porch	Porch
Porch Area	217 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22181 GARDNER ST
City	OAK PARK
State	MI
Zip	48237-2685
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T1N, R11E, SEC 31 KENWOOD PARK SUB N 38 FT OF LOT 346, ALSO S 4 FT OF LOT 347
Legal Range	11E
Legal Township	01N
Legal Section	31
Legal Subdivision	KENWOOD PARK SUB
Legal Lot Number	346-347
Jurisdiction	OAKLAND MI
Township / Civil Division	OAK PARK
Census Block Group	1
Census Block	1005
Census Tract	171500

Owner

22181 Gardner St is owned and occupied by an individual who bought it in June 2021.

Source: Oakland County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	22181 GARDNER ST, OAK PARK, MI 48237-2685
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jun 10, 2021	Warranty Deed, Transfer LIBERTY TITLE
Jun 29, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2021 · Amount on File
Deed Sale	Jun 10, 2021 · Amount on File
Prior Sale	Jun 29, 2018 · Amount on File
Deed Document Number	2021146873
Deed Book / Page	56358 / 536
Prior Transfer Date	Jun 6, 2018
Prior Transfer Doc	0000109115
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	22181 GARDNER ST, OAK PARK, MI 48237-2685
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15315 NORTHGATE BLVD 202, 202, OAK PARK, MI 48237-3314

Mortgage

Document Number	0000152543
Date	Jun 15, 2021
Book Page	56397/512
Instrument	152543

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 10, 2021
Property Address	22181 GARDNER ST, OAK PARK, MI 48237-2685
Document Number	0000146873
Book / Page	56358 / 536
Map Reference	LB 36 PG 20
Instrument Date	Jun 4, 2021
Instrument	146873
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Tax	$1,694.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22181 GARDNER ST, 22181, OAK PARK, MI 48237-2685

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22181 GARDNER ST, OAK PARK, MI 48237-2685

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 29, 2018
Property Address	22181 GARDNER ST, OAK PARK, MI 48237-2685
Document Number	0000109115
Book / Page	51954 / 00266
Map Reference	LB 36 PG 20
Instrument Date	Jun 6, 2018
Instrument	109115
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CORETITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,014.80
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22181 GARDNER ST, 22181, OAK PARK, MI 48237-2685

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22181 GARDNER ST, OAK PARK, MI 48237-2685

Mortgage

Document Number	0000109116
Date	Jun 29, 2018
Instrument	109116

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 22181 Gardner St was $4,940 with a homeowner's exemption, up 1.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,940.00 (+1.75%) Homeowner's exemption	$106,300 Land $14,200 Building $92,100	$212,600 Land $28,400 Building $184,200
2024	$4,855.00
2023		$89,200 Land $12,000 Building $77,200	$178,400 Land $24,000 Building $154,400
2022	$4,322.00

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

FEMA maps place 22181 Gardner St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.

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	2 (2002–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2014 · Severe Storms And Flooding

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

The area around 22181 Gardner St has no burnable land within ember reach, so its wildfire risk is not rated.

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	OAK PARK serves 29,654 people · EPA ID MI0004880
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Feb 2026
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 903 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	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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