2304 E 4th St, Royal Oak, MI 48067 Property Records

Oakland County property record for 2304 E 4th St, Royal Oak, MI 48067

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,042 sqft · built 1950
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Jun 2026)
Tax Bill	$3,582 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`72-25-23-177-002`

Property Details

APN / Parcel Number

Primary APN	`72-25-23-177-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,042 sqft Living Area
1st Floor Area	824 sqft
Basement Area	824 sqft
Finished Basement	824 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	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	77 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2304 E 4TH ST
City	ROYAL OAK
State	MI
Zip	48067-3926
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 648 & 649, 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	648-649
Jurisdiction	OAKLAND MI
Township / Civil Division	ROYAL OAK
Census Block Group	1
Census Block	1026
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	1337 S WASHINGTON AVE, ROYAL OAK, MI 48067-3223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Warranty Deed, Transfer · Conventional Mortgage UNIVEST HOME LOAN
Oct 19, 2023	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Apr 27, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	Oct 19, 2023 · Amount on Record
Deed Document Number	202681907
Deed Book / Page	61275 / 315
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 9, 2026
Property Address	2304 E 4TH ST, ROYAL OAK, MI 48067-3926
Document Number	0000081907
Book / Page	61275 / 315
Instrument Date	Jun 3, 2026
Instrument	202681907
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$253,762.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1337 S WASHINGTON AVE, ROYAL OAK, MI 48067-3223

Mortgage

Document Number	0000081908,
Date	Jun 9, 2026
Instrument	202681908

Lender

Name	UNIVEST HOME LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000081909,
Date	Jun 9, 2026
Book Page	61275/331
Instrument	202681909

Lender

Name	MICHIGAN STATE HSNG DEV AUTH

Agreement

Amount	Amount Recorded

Interest

Rate	6.23%
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 19, 2023
Property Address	2304 E 4TH ST, ROYAL OAK, MI 48067-3926
Document Number	0000114562
Book / Page	58950 / 234
Map Reference	LB 34 PG 30
Instrument Date	Oct 9, 2023
Instrument	114562
Transaction Type	Transfer
Record Updated	Oct 30, 2023
Title Company	EQUITY TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2304 E 4TH ST, ROYAL OAK, MI 48067-3926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56423 LONG ISLAND DR, SHELBY TOWNSHIP, MI 48316-5757

Mortgage

Document Number	0000115286
Date	Oct 20, 2023
Book Page	58954/488
Instrument	115286

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12.1%
Margin	3
Max Rate	12.1%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 27, 2020
Property Address	2304 E 4TH ST, ROYAL OAK, MI 48067-3926
Document Number	0000084127
Book / Page	54137 / 641
Map Reference	LB 34 PG 30
Instrument Date	Mar 30, 2020
Instrument	84127
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount Recorded
Tax	$1,840.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2304 E 4TH ST, 2304, ROYAL OAK, MI 48067-3926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2304 E 4TH ST, ROYAL OAK, MI 48067-3926

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	$3,582.00 (-22.06%) Homeowner's exemption	$139,490 (+78.76%)	$278,980 (+78.76%)
2024	$4,596.00 (+17.21%)
2022	$3,921.00
2018		$78,030	$156,060

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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