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3130 W Ridge Ct, Commerce Township (Walled Lake), MI 48390 Property Records

Oakland County property record for 3130 W Ridge Ct, Commerce Township, MI 48390

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,832 sqft · built 1993
Lot Size0.31 acres (13,504 sqft)
OwnerIndividual Name on File
Last Sale$380,000 (Jul 2021)
Tax Bill$3,628 (2025)
Deeds & MortgagesOct 2021 Mortgage
Jul 2021 Sale
Flood ZoneZone X (minimal risk)
APNE-17-23-201-014

Property Details

APN / Parcel Number

Primary APNE-17-23-201-014

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms3 Rooms
Stories1 Story
Building Area1,832 sqft Living Area
1st Floor Area1,816 sqft
Basement Area1,816 sqft
Unfinished Basement1,816 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1993
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Lot Area13,504 sqft (0.31 acres)
Lot Dimensions175 ft deep x 78 ft wide
Garage Area483 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area24 sqft
Deck Area225 sqft
Patio Area225 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerSeptic
Water SourceWell

Location & Zoning

Street Address3130 W RIDGE CT
CityCOMMERCE TOWNSHIP
StateMI
Zip48390-1585
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSI
Legal DescriptionT2N, R8E, SEC 23 COMMERCE PINES SUB NO 3 LOT 89 10-5-92 FR 200-001
Legal Range08E
Legal Township02N
Legal Section23
Legal SubdivisionCOMMERCE PINES SUB
Legal Lot Number10,89
JurisdictionOAKLAND MI
Township / Civil DivisionCOMMERCE
Census Block Group2
Census Block2003
Census Tract134500

Owner

3130 W Ridge Ct is owned and occupied by an individual who bought it in July 2021.

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

Owner of RecordIndividual Name on File
Mailing Address3130 W RIDGE CT, COMMERCE TOWNSHIP, MI 48390-1585
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Oct 11, 2021Deed of Trust, Mortgage · Conventional Mortgage
STEARNS LENDING LLC
Jul 2, 2021Warranty Deed, Transfer
TITLE SENSE INC, TITLE ONE INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 2, 2021 · Amount on File
Deed SaleJul 2, 2021 · Amount on File
Deed Document Number2021167833
Deed Book / Page56498 / 743
Prior Transfer DateJun 17, 2004
Prior Transfer Doc0334390431
Record UpdatedSep 20, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address3130 W RIDGE CT, COMMERCE TOWNSHIP, MI 48390-1585
Transaction TypeMortgage
Record UpdatedJan 19, 2023
Title CompanyFIRST AMERICAN MTG SOLUTIOS

Transferred To (Grantee/Buyer)

NameVerified Name
Address343 E 234TH ST 2, 2, BRONX, NY 10470-2260

Mortgage

Document Number0000241787
DateOct 11, 2021
Book Page56980/633
Instrument241787
Lender
NameSTEARNS LENDING LLC
TypeMortgage Company
AddressLEWISVILLE, TX 75057
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term357 Months
DueJul 1, 2051

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateJul 2, 2021
Property Address3130 W RIDGE CT, COMMERCE TOWNSHIP, MI 48390-1585
Document Number0000167833
Book / Page56498 / 743
Map ReferenceLB 222 PG 7-14
Instrument DateJun 29, 2021
Instrument167833
Transaction TypeTransfer
Record UpdatedJul 22, 2021
Title CompanyTITLE SENSE INC, TITLE ONE INC

Transaction

AmountAmount on Record
Tax$3,268.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address23576 LONDONDERRY, 23576, NOVI, MI 48375-3627

Transferred To (Grantee/Buyer)

NameVerified Name
Address3130 W RIDGE CT, COMMERCE TOWNSHIP, MI 48390-1585

Tax Assessment & Valuation

The 2025 property tax bill for 3130 W Ridge Ct was $3,628 with a homeowner's exemption, down 36% from the year before.

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

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
County SubdivisionCommerce Charter Township
Unified School DistrictWalled Lake Consolidated Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,628.00 (-36.03%) Homeowner's exemption$201,510$403,020
2024$5,671.00
2023$176,380$352,760
2021$3,141.00

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 3130 W Ridge Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3130 W Ridge Ct 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 RiskLow
lower than 93% of the US · lower than 83% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemCOMMERCE TOWNSHIP
serves 19,811 people · EPA ID MI0001573
Water SourcePurchased surface water from GREAT LAKES WATER AUTHORITY
Last State InspectionNov 2021
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 221 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

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