280 Lorberta Ln, Waterford, MI 48328 Property Records

Oakland County property record for 280 Lorberta Ln, Waterford, MI 48328

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 910 sqft · built 1959
Lot Size	0.251 acres (10,934 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Nov 2006)
Tax Bill	$979 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`W-13-26-226-010`

Property Details

APN / Parcel Number

Primary APN	`W-13-26-226-010`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	910 sqft Living Area
1st Floor Area	923 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Game Room	Game Room

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Lot Area	10,934 sqft (0.251 acres)
Lot Dimensions	160 ft deep x 68 ft wide
Terrain	Rolling
Garage Area	637 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	280 LORBERTA LN
City	WATERFORD
State	MI
Zip	48328-2527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T3N, R9E, SEC 26 LORRAINE MANOR NO 2 LOT 73
Legal Range	09E
Legal Township	03N
Legal Section	26
Legal Subdivision	LORRAINE MANOR NO 2
Legal Lot Number	73
Jurisdiction	OAKLAND MI
Township / Civil Division	WATERFORD
Census Block Group	3
Census Block	3006
Census Tract	144701

Owner

280 Lorberta Ln is owned and occupied by an individual who bought it in November 2006.

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

Owner of Record	Individual Name on File
Mailing Address	280 LORBERTA LN, WATERFORD, MI 48328-2527
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
Sep 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage VIBE CU
Aug 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VIBE CU
Apr 10, 2018	Deed of Trust, Mortgage OAKLAND COUNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2006 · Amount on File
Deed Sale	Nov 20, 2006 · Amount on File
Prior Sale	Jan 24, 2006 · Amount on File
Deed Document Number	2006282632
Deed Book / Page	38412 / 778
Prior Transfer Date	Apr 11, 2003
Prior Transfer Doc	0302650705
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	280 LORBERTA LN, WATERFORD, MI 48328-2527
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 LORBERTA LN, WATERFORD, MI 48328-2527

Mortgage

Document Number	0000119406
Date	Sep 24, 2025
Book Page	60547/777
Instrument	119406

Lender

Name	VIBE CU
Type	Credit Union
Address	NOVI, MI 48377

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2040

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	280 LORBERTA LN, WATERFORD, MI 48328-2527
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 LORBERTA LN, WATERFORD, MI 48328-2527

Mortgage

Document Number	0000432397
Date	Aug 18, 2022
Book Page	58049/1
Instrument	432397

Lender

Name	VIBE CU
Type	Credit Union
Address	NOVI, MI 48377

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2037

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	280 LORBERTA LN, WATERFORD, MI 48328-2527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056545
Date	Apr 10, 2018
Book Page	51707/00182
Instrument	56545

Lender

Name	OAKLAND COUNTY CU
Type	Credit Union
Address	WATERFORD, MI 48327

Agreement

Amount	Amount on Record
Term	180 Months
Due	Apr 15, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 280 Lorberta Ln was $979 with a homeowner's exemption, down 41.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Waterford Charter Township
Unified School District	Waterford School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$979.00 (-41.17%) Homeowner's exemption	$99,740	$199,480
2024	$1,664.00
2023		$83,350	$166,700
2021	$1,421.00

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

Flood

FEMA maps place 280 Lorberta Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 280 Lorberta Ln 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 98% of the US · lower than 95% 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.

Drinking Water

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

Water System	WATERFORD TOWNSHIP serves 73,441 people · EPA ID MI0006910
Water Source	Groundwater
Last State Inspection	Sep 2021
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2023
Monitoring and Reporting	1 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 420 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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