Oakland County property record for 3189 Adele Ter, Commerce Township, MI 48382 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 4.5 Baths |
| Year Built | Built 2015 |
| Square Footage | 4,167 sqft Living Area |
| Lot Size | 45,128 sqft (1.03 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $360,000 (2014) |
| Tax Bill | $12,814.00 (2025) |
| Primary APN | E-17-11-431-019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Partial Baths | 1 Partial Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 14 Rooms |
| Building Area | 4,167 sqft Living Area |
| 1st Floor | 2,209 sqft 1st Floor |
| Basement Area | 2,121 sqft Basement |
| Unfinished Basement | 2,121 sqft Unfinished |
| Game Room | Game Room |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Colonial Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 45,128 sqft (1.03 acres) |
| Depth X Width | 200 ft x 97 ft Depth x Width |
| Parking Spaces | 4 Parking Spaces |
| Garage Area | 1,068 sqft Garage |
| Deck Area | 143 sqft Deck |
| Patio Area | 560 sqft Patio |
| Porch Area | 50 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Street Address | 3189 ADELE TER |
|---|---|
| City | COMMERCE TOWNSHIP |
| State | MI |
| Zip | 48382-4401 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | T2N, R8E, SEC 11 NORTH SHORES SUB LOTS 35 & 36 |
| Legal Range | 08E |
| Legal Township | 02N |
| Legal Section | 11 |
| Legal Subdivision | NORTH SHORES SUB |
| Legal Lot Number | 35-36 |
| Jurisdiction | OAKLAND MI |
| Minor Civil Division | COMMERCE |
| Census Blockgroup | 3 |
| Census Block | 3017 |
| Census Tract | 134400 |
Source: Oakland County records · APN E-17-11-431-019
Assessment roll updated January 21, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 3189 ADELE TER, COMMERCE TOWNSHIP, MI 48382-4401 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 23, 2021 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU |
| Jun 27, 2018 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) FIRST SECURITIES FINANCIAL SERVICES INC |
| Mar 04, 2020 | Quit Claim Deed, Transfer LAKE MI CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 09, 2014 · Amount on Record |
| Deed Sale | Sep 09, 2014 · Amount on Record |
| Deed Doc Number | 2014172754 |
| Deed Book / Page | 47383 / 330 |
| Last Transfer Date | Feb 22, 2020 |
| Transfer Doc | 0000043894 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3189 ADELE TER, COMMERCE TOWNSHIP, MI 48382-4401 |
| Transaction Type | Mortgage |
| Record Updated | Oct 08, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3189 ADELE TER, COMMERCE TOWNSHIP, MI 48382-4401 |
| Document Number | 0000227870 |
|---|---|
| Date | Sep 23, 2021 |
| Book Page | 56892/52 |
| Instrument | 227870 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 15, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3189 ADELE TER, COMMERCE TOWNSHIP, MI 48382-4401 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000107618 |
|---|---|
| Date | Jun 27, 2018 |
| Book Page | 51946/00080 |
| Instrument | 107618 |
| Name | FIRST SECURITIES FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | FRANKLIN, MI 48025 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | Jul 01, 2025 |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.12% |
| Index | 1-Year LIBOR |
| Max Rate | 9.12% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Mar 04, 2020 |
| Property Address | 3189 ADELE TER, COMMERCE TOWNSHIP, MI 48382-4401 |
| Document Number | 0000043894 |
| Book / Page | 053905 / 000772 |
| Instrument Date | Feb 22, 2020 |
| Instrument | 43894 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2020 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3189 ADELE TER COMMERCE TOWNSHIP MI 483824401, COMMERCE TOWNSHIP, MI 48382-4401 |
| Document Number | 43895 |
|---|---|
| Date | Mar 04, 2020 |
| Book Page | 053905/000774 |
| Instrument | 43895 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | 4027 LAKE DR, GRAND RAPIDS, MI 49501 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 03, 2050 |
Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Commerce Charter Township |
| Unified School District | Walled Lake Consolidated Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,814.00 (-35.41%) Homeowner's exemption | $775,800 (+12.34%) | $1,551,600 (+12.34%) |
| 2024 | $19,840.00 (+14.04%) | ||
| 2023 | $690,570 | $1,381,140 | |
| 2021 | $17,397.00 |
3189 Adele Ter is in FEMA Zone AE, inside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Oakland County (26125C), updated December 8, 2024
| FEMA Flood Zone | Zone AE 1% annual chance, base flood elevation determined |
|---|---|
| Special Flood Hazard Area | Yes flood insurance required for federally backed mortgages |
| Floodway | No |
| Base Flood Elevation | 932.0 ft vertical datum per the FIRM (NAVD88 on current maps) |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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