2265 Ray Rd, Oxford, MI 48370 Property Records

Oakland County property record for 2265 Ray Rd, Oxford, MI 48370

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,665 sqft · built 1927
Lot Size	2.42 acres (105,415 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Dec 2023)
Tax Bill	$2,220 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2023 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`A-05-17-451-006`

Property Details

APN / Parcel Number

Primary APN	`A-05-17-451-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,665 sqft Living Area
1st Floor Area	926 sqft
Basement Area	739 sqft
Unfinished Basement	739 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 2000
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	105,415 sqft (2.42 acres)
Terrain	Wooded
Garage Area	537 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	107 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2265 RAY RD
City	OXFORD
State	MI
Zip	48370-2032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SELECTCODE
Legal Description	T5N, R11E, SEC 17 PART OF SE 1/4 BEG AT PT DIST N 00-16-40 E 759 FT & S 88-04-30 W 250 FT & N 70-35-50 W 796.50 FT FROM SE SEC COR, TH N 70-35-50 W 41.08 FT, TH N 79-12-00 W 307.84 FT, TH S 00-35-00 W 228.02 FT, TH N 83-34-00 W 71.16 FT, TH N 55-42-0
Legal Range	11E
Legal Township	05N
Legal Section	17
Jurisdiction	OAKLAND MI
Township / Civil Division	ADDISON
Census Block Group	1
Census Block	1003
Census Tract	120300

Owner

2265 Ray Rd is owned and occupied by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	2265 RAY RD, OXFORD, MI 48370-2032
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
Feb 18, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 18, 2023	Intrafamily Transfer, Transfer
Dec 19, 2023	Warranty Deed, Transfer
May 20, 2019	Quit Claim Deed, Transfer PROGRESSIVE TITLE COMPANY
May 20, 2019	Quit Claim Deed, Transfer · Conventional Mortgage VIBE CU
Jan 24, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 24, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2023 · Amount on File
Deed Sale	Dec 19, 2023 · Amount on File
Prior Sale	Feb 23, 2000
Deed Document Number	2023136461
Deed Book / Page	59069 / 413
Prior Transfer Date	Dec 11, 2023
Prior Transfer Doc	0000135990
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2265 RAY RD, OXFORD, MI 48370-2032
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20260020121
Date	Feb 18, 2026
Book Page	60951/254
Instrument	20260020121

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 30, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Dec 18, 2023
Property Address	2265 RAY RD, OXFORD, MI 48370-2032
Document Number	0000135990
Book / Page	59067 / 338
Instrument Date	Dec 11, 2023
Instrument	135990
Transaction Type	Transfer
Record Updated	Jan 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2265 RAY RD, OXFORD, MI 48370-2032

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	2265 RAY RD, OXFORD, MI 48370-2032

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 19, 2023
Property Address	2265 RAY RD, OXFORD, MI 48370-2032
Document Number	0000136461
Book / Page	59069 / 413
Instrument Date	Dec 11, 2023
Instrument	136461
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Amount	Amount on Record
Tax	$1,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2265 RAY RD, OXFORD, MI 48370-2032

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2265 RAY RD, OXFORD, MI 48370-2032

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	May 20, 2019
Property Address	2265 RAY RD, OXFORD, MI 48370-2032
Document Number	0000077355
Book / Page	052840 / 000281
Instrument Date	May 13, 2019
Instrument	77355
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	PROGRESSIVE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2265 RAY RD OXFORD MI 483702032, OXFORD, MI 48370-2032

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	May 20, 2019
Property Address	2265 RAY RD, OXFORD, MI 48370-2032
Document Number	0000077356
Book / Page	052840 / 000287
Instrument Date	May 13, 2019
Instrument	77356
Transaction Type	Transfer
Record Updated	Jun 5, 2019
Title Company	PROGRESSIVE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2265 RAY RD OXFORD MI 483702032, OXFORD, MI 48370-2032

Mortgage

Document Number	77357
Date	May 20, 2019
Book Page	052840/000282
Instrument	77357

Lender

Name	VIBE CU
Type	Credit Union
Address	WATERFORD, MI 48327

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 19, 2029

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 24, 2019
Property Address	2265 RAY RD, OXFORD, MI 48370-2032
Document Number	0000011721
Book / Page	052530 / 000095
Instrument Date	Jan 2, 2019
Instrument	11721
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2265 RAY RD OXFORD MI 483702032, OXFORD, MI 48370-2032

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 24, 2019
Property Address	2265 RAY RD, OXFORD, MI 48370-2032
Document Number	0000011720
Book / Page	052530 / 000093
Instrument Date	Jan 1, 2019
Instrument	11720
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2265 RAY RD OXFORD MI 483702032, OXFORD, MI 48370-2032

Tax Assessment & Valuation

The 2025 property tax bill for 2265 Ray Rd was $2,220 with a homeowner's exemption, down 32.3% from the year before.

Source: Oakland County assessment roll, as of February 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Addison Township
Unified School District	Oxford Area Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,220.00 (-32.26%) Homeowner's exemption	$102,090	$204,180
2024	$3,277.00
2023		$86,830	$173,660

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 2265 Ray Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2265 Ray Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless	25 / 5

May also be available: Air Advantage, Spectrum, T-Mobile.

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