255 E 2nd St, Rochester, MI 48307 Property Records

Oakland County property record for 255 E 2nd St, Rochester, MI 48307

Property Summary

Property Type	Bank, Financial Building
Details	3,505 sqft · built 1975
Lot Size	0.76 acres (33,106 sqft)
Owner	Company Name on Record
Tax Bill	$15,114 (2025)
Deeds & Mortgages	Sep 2024 Line of Credit Nov 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`68-15-14-108-018`

Property Details

APN / Parcel Number

Primary APN	`68-15-14-108-018`

Interior

Stories	1 Story
Building Area	3,505 sqft Total Area
1st Floor Area	7,010 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	33,106 sqft (0.76 acres)
Lot Dimensions	161 ft deep x 206 ft wide
Canopy	1,104 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Zoned
Sewer	Municipal

Location & Zoning

Street Address	255 E 2ND ST
City	ROCHESTER
State	MI
Zip	48307-2003
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Local Zoning Code	II
Legal Description	T3N, R11E, SEC 14 EAST THIRD STREET URBAN RENEWAL PLAT PART OF LOT 8 BEG AT PT DIST S 87-04-10 E 108 FT FROM NW LOT COR, TH S 87-04-10 E 41.57 FT, TH N 89-19-55 E 132.00 FT, TH S 87-22-45 E 3 FT, TH S 02-32-35 W 153.97 FT, TH ALG CURVE TO RIGHT, RAD
Legal Range	11E
Legal Township	03N
Legal Section	14
Legal Subdivision	EAST THIRD STREET URBAN RENEWAL PLAT
Legal Lot Number	8
Jurisdiction	OAKLAND MI
Township / Civil Division	ROCHESTER
Census Block Group	3
Census Block	3011
Census Tract	191200

Owner

Source: Oakland County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	322 S MAIN ST, 210, ROCHESTER, MI 48307-6715
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2024	Deed of Trust, Mortgage · Line of Credit CHIEF FINANCIAL FCU
Nov 17, 2023	Land Contract, Transfer
Nov 17, 2023	Correction Deed
Jul 2, 2021	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK
Sep 5, 2019	Deed of Trust, Mortgage · Line of Credit CIBC BANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 22, 2006
Transfer Doc	0000078622
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	255 E 2ND ST, ROCHESTER, MI 48307-2003
Transaction Type	Mortgage
Record Updated	Dec 23, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000101986
Date	Sep 13, 2024
Book Page	59633/374
Instrument	101986

Lender

Name	CHIEF FINANCIAL FCU
Type	Credit Union
Address	ROCHESTER, MI 48307

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2023: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	OAKLAND MI
Recording Date	Nov 17, 2023
Property Address	255 E 2ND ST, ROCHESTER, MI 48307-2003
Document Number	0000126033
Book / Page	59013 / 741
Map Reference	LB 129 PG 31-33
Instrument Date	Nov 8, 2023
Instrument	126033
Transaction Type	Transfer
Record Updated	Dec 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	180 E 2ND ST, ROCHESTER, MI 48307-2000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54632 MORNINGSIDE DR, SHELBY TOWNSHIP, MI 48316-6001

November 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 17, 2023
Property Address	255 E 2ND ST, ROCHESTER, MI 48307-2003
Document Number	0000126032
Book / Page	59013 / 738
Map Reference	LB 129 PG 31-33
Instrument Date	Nov 6, 2023
Instrument	126032
Record Updated	Dec 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	255 E 2ND ST, ROCHESTER, MI 48307-2003
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 E 2ND ST, ROCHESTER, MI 48307-2003

Mortgage

Document Number	0000167918
Date	Jul 2, 2021
Book Page	56499/451
Instrument	167918

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	SOUTHFIELD, MI 48076

Agreement

Amount	Amount Recorded

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	255 E 2ND ST, ROCHESTER, MI 48307-2003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000144380
Date	Sep 5, 2019
Book Page	53214/00165
Instrument	144380

Lender

Name	CIBC BANK USA
Type	Bank
Address	BIRMINGHAM, MI 48009

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,114.00 (-22.71%)	$623,180 (+9.35%)	$1,246,360 (+9.35%)
2024	$19,554.00 (+16.14%)
2023		$569,910	$1,139,820
2021	$16,837.00

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	4 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	May 2004 · Severe Storms, Tornadoes, And Flooding

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

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	ROCHESTER serves 7,130 people · EPA ID MI0005720
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2024–2026) 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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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