2345 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 2345 E Commerce St, Milford, MI 48381

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,346 sqft · built 1976
Lot Size	2.12 acres (92,347 sqft)
Owner	Individual Name on Record
Last Sale	$595,000 (May 2019)
Tax Bill	$7,740 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`L-16-01-377-003`

Property Details

APN / Parcel Number

Primary APN	`L-16-01-377-003`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	9 Rooms
Building Area	4,346 sqft Living Area
1st Floor Area	2,708 sqft
Basement Area	483 sqft
Unfinished Basement	483 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Lot Area	92,347 sqft (2.12 acres)
Terrain	Rolling
Pool Area	722 sqft
Deck Area	389 sqft
Patio Area	1,147 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2345 E COMMERCE ST
City	MILFORD
State	MI
Zip	48381-1446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T2N, R7E, SEC 1 OAKLAND ORCHARDS ESTATES SUB LOT 3
Legal Range	07E
Legal Township	02N
Legal Section	01
Legal Subdivision	OAKLAND ORCHARDS ESTATES SUB
Legal Lot Number	3
Jurisdiction	OAKLAND MI
Township / Civil Division	MILFORD
Census Block Group	5
Census Block	5001
Census Tract	132100

Owner

Source: Oakland County records, as of August 28, 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 Record
Mailing Address	2345 E COMMERCE ST, MILFORD, MI 48381-1446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
May 31, 2019	Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2019 · Amount on Record
Deed Sale	May 31, 2019 · Amount on Record
Prior Sale	Jul 9, 2007 · Amount on Record
Deed Document Number	201984162
Deed Book / Page	52878 / 81
Prior Transfer Date	Jun 12, 2015
Prior Transfer Doc	0000138613
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2345 E COMMERCE ST, MILFORD, MI 48381-1446
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2345 E COMMERCE ST, MILFORD, MI 48381-1446

Mortgage

Document Number	0000041787
Date	Apr 16, 2024
Book Page	59290/755
Instrument	41787

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 8, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2345 E COMMERCE ST, MILFORD, MI 48381-1446
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2345 E COMMERCE ST, MILFORD, MI 48381-1446

Mortgage

Document Number	0000206634
Date	Aug 25, 2021
Book Page	56749/69
Instrument	206634

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	May 31, 2019
Property Address	2345 E COMMERCE ST, MILFORD, MI 48381-1446
Document Number	0000084162
Book / Page	52878 / 00081
Map Reference	LB 148 PG 10-12
Instrument Date	May 28, 2019
Instrument	84162
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,117.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1150 FOREST BAY DR, 1150, WATERFORD, MI 48328-4287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2345 E COMMERCE ST, MILFORD, MI 48381-1446

Mortgage

Document Number	0000084163
Date	May 31, 2019
Instrument	84163

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.47%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.47%
Index	1-Year LIBOR
Max Rate	8.47%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Milford Charter Township
Unified School District	Huron Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,740.00 (-33.8%) Homeowner's exemption	$386,050 (+13.7%)	$772,100 (+13.7%)
2024	$11,692.00 (+24.42%)
2023		$339,530	$679,060
2021	$9,397.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Policies	1 in force

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	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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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