319 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 319 E Commerce St, Milford, MI 48381

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,674 sqft · built 1896
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on Record
Last Sale	$86,000 (Apr 2010)
Tax Bill	$3,899 (2025)
Deeds & Mortgages	Jul 2026 Transfer Jan 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LM-16-11-106-012`

Property Details

APN / Parcel Number

Primary APN	`LM-16-11-106-012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,674 sqft Living Area
1st Floor Area	1,084 sqft
Basement Area	461 sqft
Unfinished Basement	461 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1896
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	319 E COMMERCE ST
City	MILFORD
State	MI
Zip	48381-1921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T2N, R7E, SEC 10 & 11 PHELPS' ADD. S 33 FT OF W 50 FT OF LOT 12 & W 50 FT OF LOTS 13 & 14 BLK 17
Legal Range	07E
Legal Township	02N
Legal Section	10
Legal Subdivision	PHELPS' ADD
Legal Block	17
Legal Lot Number	12-14
Jurisdiction	OAKLAND MI
Township / Civil Division	MILFORD
Census Block Group	3
Census Block	3017
Census Tract	132500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North Milford Village Historic District listed 2000 · 266 contributing resources · NRIS 00000391

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Oakland County records, as of May 27, 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	319 E COMMERCE ST, MILFORD, MI 48381-1921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 30, 2019	Deed of Trust, Mortgage · Construction Mortgage LEVEL ONE BANK
Apr 10, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2010 · Amount on Record
Deed Sale	Apr 20, 2010 · Amount on Record
Prior Sale	Nov 15, 2004 · Amount on Record
Deed Document Number	201076177
Deed Book / Page	42005 / 334
Last Transfer Date	Oct 1, 2013
Transfer Doc	0000263994
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 22, 2026
Property Address	319 E COMMERCE ST, MILFORD, MI 48381-1921
Document Number	0000109700
Book / Page	61392 / 423
Instrument Date	Jul 16, 2026
Instrument	2026109700
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	319 E COMMERCE ST, MILFORD, MI 48381-1921

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	319 E COMMERCE ST, MILFORD, MI 48381-1921
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014847
Date	Jan 30, 2019
Book Page	52545/00033
Instrument	014847

Lender

Name	LEVEL ONE BANK
Type	Bank
Address	FARMINGTON, MI 48334

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 25, 2029

Interest

Rate Type	Adjustable Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 10, 2019
Property Address	319 E COMMERCE ST, MILFORD, MI 48381-1921
Document Number	0000054943
Book / Page	52720 / 00660
Map Reference	LB 2 PG 22B
Instrument Date	Mar 29, 2019
Instrument	54943
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	319F E COMMERCE ST, 319F, MILFORD, MI 48381

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2883 LAKEWAY, HIGHLAND, MI 48356-2154

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Milford Charter Township
Municipality	Milford Village
Unified School District	Huron Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,899.00 (-10.45%) Homeowner's exemption	$145,080 (+6.51%)	$290,160 (+6.51%)
2024	$4,354.00 (+24.65%)
2023		$136,210	$272,420
2021	$3,493.00

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

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	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	VILLAGE OF MILFORD serves 6,366 people · EPA ID MI0004390
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
123.NET Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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