Oakland County property record for 2855 Reflection Ave, Waterford, MI 48328
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,512 sqft · built 1998 |
| Lot Size | 0.209 acres (9,104 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Jun 2026) |
| Tax Bill | $1,860 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jul 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | W-13-24-305-029 |
| Primary APN | W-13-24-305-029 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 1,512 sqft |
| Basement Area | 1,512 sqft |
| Unfinished Basement | 1,512 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 9,104 sqft (0.209 acres) |
| Lot Dimensions | 140 ft deep x 65 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 2855 REFLECTION AVE |
|---|---|
| City | WATERFORD |
| State | MI |
| Zip | 48328-2675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SI |
| Legal Description | T3N, R9E, SEC 24 REFLECTIONS SUB LOT 5 10-9-95 FR 301-021 |
| Legal Range | 09E |
| Legal Township | 03N |
| Legal Section | 24 |
| Legal Subdivision | REFLECTIONS SUB |
| Legal Lot Number | 5,10 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | WATERFORD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 145900 |
Source: Oakland County records, as of July 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2855 REFLECTION AVE, WATERFORD, MI 48328-2675 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED |
| Jul 29, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 8, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2026 · Amount on Record |
| Deed Sale | Jun 24, 2026 · Amount on Record |
| Prior Sale | Jun 22, 2011 · Amount on Record |
| Deed Document Number | 202689965 |
| Deed Book / Page | 61309 / 335 |
| Prior Transfer Date | Jul 23, 2019 |
| Prior Transfer Doc | 0000120242 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 24, 2026 |
| Property Address | 2855 REFLECTION AVE, WATERFORD, MI 48328-2675 |
| Document Number | 0000089965 |
| Book / Page | 61309 / 335 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202689965 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Title Company | DETROIT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $234,825.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2855 REFLECTION AVE, WATERFORD, MI 48328-2675 |
| Document Number | 0000091952, |
|---|---|
| Date | Jun 24, 2026 |
| Book Page | 61318/437 |
| Instrument | 202691952 |
| Name | MORTGAGE 1 INCORPORATED |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 29, 2019 |
| Property Address | 2855 REFLECTION AVE, WATERFORD, MI 48328-2675 |
| Document Number | 0000120242 |
| Book / Page | 053070 / 000879 |
| Instrument Date | Jul 23, 2019 |
| Instrument | 120242 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 16323 VIA MONTELLA MACOMB MI 480421040, MACOMB, MI 48042-1040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 8, 2017 |
| Property Address | 2855 REFLECTION AVE, WATERFORD, MI 48328-2675 |
| Document Number | 0000167824 |
| Book / Page | 051052 / 000167 |
| Instrument Date | Sep 7, 2017 |
| Instrument | 167824 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2855 REFLECTION AVE WATERFORD MI 483282675, WATERFORD, MI 48328-2675 |
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Waterford Charter Township |
| Unified School District | Waterford School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,860.00 (-39.79%) Homeowner's exemption | $136,590 (+5.97%) | $273,180 (+5.97%) |
| 2024 | $3,089.00 (+17.19%) | ||
| 2023 | $128,900 | $257,800 | |
| 2021 | $2,636.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2013 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 247 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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