3003 Cedar Key Dr, Lake Orion, MI 48360 Property Records

Oakland County property record for 3003 Cedar Key Dr, Lake Orion, MI 48360

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,048 sqft · built 1980
Lot Size	0.207 acres (9,017 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Sep 2021)
Tax Bill	$3,808 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`O-09-20-128-007`

Property Details

APN / Parcel Number

Primary APN	`O-09-20-128-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,048 sqft Living Area
1st Floor Area	1,024 sqft
Basement Area	1,024 sqft
Unfinished Basement	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Colonial
Exterior Material	Wood Siding
Lot Area	9,017 sqft (0.207 acres)
Garage Area	516 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	228 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3003 CEDAR KEY DR
City	LAKE ORION
State	MI
Zip	48360-1515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T4N, R10E, SEC 20 KEATINGTON CEDARS NO 1 LOT 85
Legal Range	10E
Legal Township	04N
Legal Section	20
Legal Subdivision	KEATINGTON
Legal Lot Number	85
Jurisdiction	OAKLAND MI
Township / Civil Division	ORION
Census Block Group	1
Census Block	1004
Census Tract	128200

Owner

3003 Cedar Key Dr is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3003 CEDAR KEY DR, LAKE ORION, MI 48360-1515
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 13, 2021	Warranty Deed, Transfer · Conventional Mortgage KAYE FINANCIAL CORP
Mar 6, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jul 17, 2018	Warranty Deed, Transfer · Conventional Mortgage OWNIUM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2021 · Amount on File
Deed Sale	Sep 13, 2021 · Amount on File
Prior Sale	Jul 17, 2018 · Amount on File
Deed Document Number	2021219643
Deed Book / Page	56839 / 228
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 13, 2021
Property Address	3003 CEDAR KEY DR, LAKE ORION, MI 48360-1515
Document Number	0000219643
Book / Page	56839 / 228
Map Reference	LB 150 PG 1-4
Instrument Date	Jun 15, 2021
Instrument	219643
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	PARKS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,967.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3003 CEDAR KEY DR, 3003, LAKE ORION, MI 48360-1515

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3347 BATHURST AVE, ROCHESTER HILLS, MI 48309-4028

Mortgage

Document Number	0056839230
Date	Sep 13, 2021
Instrument	56839/230

Lender

Name	KAYE FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3003 CEDAR KEY DR, LAKE ORION, MI 48360-1515
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034681
Date	Mar 6, 2018
Book Page	51607/00252
Instrument	34681

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 14, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3003 CEDAR KEY DR, LAKE ORION, MI 48360-1515
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000163313
Date	Oct 3, 2019
Book Page	53330/00577
Instrument	163313

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2034

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 17, 2018
Property Address	3003 CEDAR KEY DR, LAKE ORION, MI 48360-1515
Document Number	0000117557
Book / Page	052000 / 000126
Instrument Date	Jul 9, 2018
Instrument	117557
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,325.44
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3004 SW 132ND PL OKLAHOMA CITY OK 731705427, OKLAHOMA CITY, OK 73170-5427

Mortgage

Document Number	117558
Date	Jul 17, 2018
Book Page	052000/000128
Instrument	117558

Lender

Name	OWNIUM
Address	6444 MONROE ST # 6, SYLVANIA, OH 43560-1455

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3003 Cedar Key Dr was $3,808 with a homeowner's exemption, down 31.1% 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	Orion Charter Township
Unified School District	Lake Orion Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,808.00 (-31.13%) Homeowner's exemption	$176,340	$352,680
2024	$5,529.00
2023		$150,620	$301,240
2021	$4,372.00

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.

Flood

FEMA maps place 3003 Cedar Key Dr 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 3003 Cedar Key Dr is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ORION TOWNSHIP serves 33,000 people · EPA ID MI0005035
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Nov 2025
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 329 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

May also be available: Verizon.

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