Oakland County property record for 228 Lorberta Ln, Waterford, MI 48328
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,224 sqft · built 1955 |
| Lot Size | 0.239 acres (10,411 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $79,000 (Oct 1995) |
| Tax Bill | $929 (2025) |
| Deeds & Mortgages | Jan 2023 Second Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | W-13-26-277-002 |
| Primary APN | W-13-26-277-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,224 sqft Living Area |
| 1st Floor Area | 1,230 sqft |
| Basement Area | 1,230 sqft |
| Unfinished Basement | 1,230 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Lot Area | 10,411 sqft (0.239 acres) |
| Lot Dimensions | 86.7 ft deep x 80 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 234 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 228 LORBERTA LN |
|---|---|
| City | WATERFORD |
| State | MI |
| Zip | 48328-3043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SI |
| Legal Description | T3N, R9E, SEC 26 LORRAINE MANOR NO 1 LOT 63 |
| Legal Range | 09E |
| Legal Township | 03N |
| Legal Section | 26 |
| Legal Subdivision | LORRAINE MANOR NO 1 |
| Legal Lot Number | 63 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | WATERFORD |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 144701 |
Source: Oakland County records · APN W-13-26-277-002
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 | 228 LORBERTA LN, WATERFORD, MI 48328-3043 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GENISYS CU |
| Sep 30, 2019 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Jun 30, 2020 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 17, 1995 · Amount on Record |
| Deed Sale | Oct 17, 1995 · Amount on Record |
| Prior Transfer Date | Oct 06, 1995 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 228 LORBERTA LN, WATERFORD, MI 48328-3043 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 228 LORBERTA LN, WATERFORD, MI 48328-3043 |
| Document Number | 0000006397 |
|---|---|
| Date | Jan 18, 2023 |
| Book Page | 58378/265 |
| Instrument | 6397 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 17, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 228 LORBERTA LN, WATERFORD, MI 48328-3043 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000160090 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 53312/00452 |
| Instrument | 160090 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 228 LORBERTA LN, WATERFORD, MI 48328-3043 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000127062 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 54426/97 |
| Instrument | 127062 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Waterford Charter Township |
| Unified School District | Waterford School District (KG - 12) |
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 | $929.00 (-41.24%) Homeowner's exemption | $100,840 (+21.35%) | $201,680 (+21.35%) |
| 2024 | $1,581.00 (+17.02%) | ||
| 2023 | $83,100 | $166,200 | |
| 2021 | $1,351.00 |
Source: FEMA National Flood Hazard Layer, Oakland County (26125C), as of December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261251447013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 420 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MI0006910, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERFORD TOWNSHIP serves 73,441 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2021 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2023 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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