23540 Gardner St, Oak Park, MI 48237 Property Records

Oakland County property record for 23540 Gardner St, Oak Park, MI 48237

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,565 sqft · built 1953
Lot Size	0.148 acres (6,447 sqft)
Owner	Individual Name on File
Last Sale	$144,000 (Mar 2019)
Tax Bill	$4,327 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`52-25-30-404-007`

Property Details

APN / Parcel Number

Primary APN	`52-25-30-404-007`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,565 sqft Living Area
1st Floor Area	1,565 sqft
Basement Area	1,373 sqft
Unfinished Basement	1,565 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Hip
Lot Area	6,447 sqft (0.148 acres)
Lot Dimensions	109 ft deep x 59 ft wide
Garage Area	497 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	27 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	23540 GARDNER ST
City	OAK PARK
State	MI
Zip	48237-2467
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T1N, R11E, SEC 30 PARKLANE SUB LOT 62
Legal Range	11E
Legal Township	01N
Legal Section	30
Legal Subdivision	30 PARKLANE SUB
Legal Lot Number	62
Jurisdiction	OAKLAND MI
Township / Civil Division	OAK PARK
Census Block Group	4
Census Block	4002
Census Tract	171400

Owner

23540 Gardner St is owned and occupied by an individual who bought it in March 2019.

Source: Oakland County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	23540 GARDNER ST, OAK PARK, MI 48237-2467
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
Nov 26, 2025	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jul 27, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Apr 6, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Mar 14, 2019	Warranty Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP
Jul 10, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2019 · Amount on File
Deed Sale	Mar 14, 2019 · Amount on File
Prior Sale	Jul 10, 2018 · Amount on File
Deed Document Number	201933903
Deed Book / Page	52644 / 46
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	23540 GARDNER ST, OAK PARK, MI 48237-2467
Transaction Type	Mortgage
Record Updated	Dec 10, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23540 GARDNER ST, OAK PARK, MI 48237-2467

Mortgage

Document Number	20250148331
Date	Nov 26, 2025
Book Page	60731/120
Instrument	20250148331

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Oct 1, 2065

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	23540 GARDNER ST, OAK PARK, MI 48237-2467
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23540 GARDNER ST, OAK PARK, MI 48237-2467

Mortgage

Document Number	0000081578
Date	Jul 27, 2023
Book Page	58764/557
Instrument	81578

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Mar 1, 2052

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	23540 GARDNER ST, OAK PARK, MI 48237-2467
Transaction Type	Mortgage
Record Updated	Jun 6, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23540 GARDNER ST, OAK PARK, MI 48237-2467

Mortgage

Document Number	0000355953
Date	Apr 6, 2022
Book Page	57653/629
Instrument	355953

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2052

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 14, 2019
Property Address	23540 GARDNER ST, OAK PARK, MI 48237-2467
Document Number	0000033903
Book / Page	52644 / 00046
Map Reference	LB 63 PG 21
Instrument Date	Dec 20, 2018
Instrument	033903
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	TITLE EXPRESS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,238.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23540 GARDNER ST, 23540, OAK PARK, MI 48237-2467

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23540 GARDNER ST, OAK PARK, MI 48237-2467

Mortgage

Document Number	0000033904
Date	Mar 14, 2019
Instrument	033904

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2049

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 10, 2018
Property Address	23540 GARDNER ST, OAK PARK, MI 48237-2467
Document Number	0000113562
Book / Page	051978 / 000519
Instrument Date	Jul 3, 2018
Instrument	113562
Transaction Type	Foreclosure
Record Updated	Jul 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$738.53
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7825 ORCHARD LAKE RD WEST BLOOMFIELD MI 48322, WEST BLOOMFIELD, MI 48322

Tax Assessment & Valuation

The 2025 property tax bill for 23540 Gardner St was $4,327 with a homeowner's exemption, up 1.8% from the year before.

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Oak Park City
Unified School District	Oak Park City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,327.00 (+1.76%) Homeowner's exemption	$129,600 Land $21,300 Building $108,300	$259,200 Land $42,600 Building $216,600
2024	$4,252.00
2023		$106,300 Land $14,500 Building $91,800	$212,600 Land $29,000 Building $183,600
2022	$3,786.00

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

Flood

FEMA maps place 23540 Gardner St 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

The area around 23540 Gardner 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OAK PARK serves 29,654 people · EPA ID MI0004880
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Feb 2026
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 415 locations within half a mile, as of December 31, 2025

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 Fixed Wireless	100 / 20

May also be available: Verizon.

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