Oakland County property record for 278 Phoenix St, Commerce Township, MI 48382
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,916 sqft · built 1977 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,500 (Apr 2003) |
| Tax Bill | $1,140 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | E-17-02-307-007 |
| Primary APN | E-17-02-307-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Building Area | 1,916 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 21 sqft |
| Patio Area | 223 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 278 PHOENIX ST |
|---|---|
| City | COMMERCE TOWNSHIP |
| State | MI |
| Zip | 48382-3168 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SI |
| Legal Description | T2N, R8E, SEC 2 CARROLL LAKE HEIGHTS SUB LOTS 16, 17 & 18 BLK 27 |
| Legal Range | 08E |
| Legal Township | 02N |
| Legal Section | 02 |
| Legal Subdivision | CARROLL LAKE HEIGHTS SUB |
| Legal Block | 27 |
| Legal Lot Number | 16-18 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | COMMERCE |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 134000 |
278 Phoenix St is owned and occupied by an individual who acquired it in February 2005.
Source: Oakland County records, as of May 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 278 PHOENIX ST, COMMERCE TOWNSHIP, MI 48382-3168 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 24, 2003 · Amount on File |
| Deed Sale | Apr 24, 2003 · Amount on File |
| Prior Sale | Apr 20, 2001 · Amount on File |
| Deed Document Number | 2003202816 |
| Deed Book / Page | 28911 / 781 |
| Last Transfer Date | Feb 9, 2005 |
| Transfer Doc | 0000047491 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 278 PHOENIX ST, COMMERCE TOWNSHIP, MI 48382-3168 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 278 PHOENIX ST, COMMERCE TOWNSHIP, MI 48382-3168 |
| Document Number | 0000243578 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 56992/13 |
| Instrument | 243578 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 2, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 278 Phoenix St was $1,140 with a homeowner's exemption, down 41.4% 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 | $1,140.00 (-41.42%) Homeowner's exemption | $149,000 | $298,000 |
| 2024 | $1,946.00 | ||
| 2023 | $122,590 | $245,180 | |
| 2021 | $1,715.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 278 Phoenix St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.
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 (2000) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2000 · Severe Storms 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 risk around 278 Phoenix St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CEDARBROOK ESTATES private · serves 1,728 people · EPA ID MI0040375 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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