Oakland County property record for 233 Cardinal St, Commerce Township, MI 48382
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,472 sqft · built 1968 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $132,500 (Apr 1996) |
| Tax Bill | $1,464 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | E-17-10-480-002 |
| Primary APN | E-17-10-480-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,472 sqft Living Area |
| 1st Floor Area | 1,472 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 20 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 233 CARDINAL ST |
|---|---|
| City | COMMERCE TOWNSHIP |
| State | MI |
| Zip | 48382-4026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SI |
| Legal Description | T2N, R8E, SEC 10 LOG CABIN BEACH LOTS 65 & 66 |
| Legal Range | 08E |
| Legal Township | 02N |
| Legal Section | 10 |
| Legal Subdivision | LOG CABIN BEACH |
| Legal Lot Number | 65-66 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | COMMERCE |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 134300 |
233 Cardinal St is owned and occupied by two individuals who acquired it in March 2016.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 233 CARDINAL ST, COMMERCE TOWNSHIP, MI 48382-4026 |
| 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.
| Date | Document |
|---|---|
| Sep 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 21, 2020 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Apr 3, 2017 | Deed of Trust, Mortgage · FHA Mortgage MOTIVE LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 1996 · Amount on File |
| Deed Sale | Apr 4, 1996 · Amount on File |
| Last Transfer Date | Mar 25, 2016 |
| Transfer Doc | 0000057427 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 233 CARDINAL ST, COMMERCE TOWNSHIP, MI 48382-4026 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 233 CARDINAL ST, COMMERCE TOWNSHIP, MI 48382-4026 |
| Document Number | 0000215382 |
|---|---|
| Date | Sep 7, 2021 |
| Book Page | 56808/524 |
| Instrument | 215382 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 233 CARDINAL ST, COMMERCE TOWNSHIP, MI 48382-4026 |
| Document Number | 0000088203 |
| Instrument Date | Apr 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 233 CARDINAL ST COMMERCE TOWNSHIP MI 483824026, COMMERCE TOWNSHIP, MI 48382-4026 |
| Document Number | 0000088203 |
|---|---|
| Date | May 5, 2020 |
| Book Page | 054167/000138 |
| Instrument | 88203 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 4, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 233 CARDINAL ST, COMMERCE TOWNSHIP, MI 48382-4026 |
| Document Number | 0000084915 |
| Book / Page | 050613 / 000037 |
| Instrument Date | Apr 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 233 CARDINAL ST COMMERCE TOWNSHIP MI 483824026, COMMERCE TOWNSHIP, MI 48382-4026 |
| Document Number | 0000084915 |
|---|---|
| Date | Apr 27, 2017 |
| Book Page | 050613/000037 |
| Instrument | 84915 |
| Name | MOTIVE LNDG |
|---|---|
| Address | PO BOX 2026, FLINT, MI 48501-2026 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 26, 2047 |
The 2025 property tax bill for 233 Cardinal St was $1,464 with a homeowner's exemption, down 39.8% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Commerce Charter Township |
| Unified School District | Walled Lake Consolidated Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,464.00 (-39.83%) Homeowner's exemption | $144,760 | $289,520 |
| 2024 | $2,433.00 | ||
| 2023 | $121,000 | $242,000 | |
| 2021 | $2,144.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 233 Cardinal St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2003) |
| Most Recent Claim | Apr 2003 · other causes |
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.
The area around 233 Cardinal 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.
Source: FCC Broadband Data Collection, based on 196 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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