320 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 320 E Commerce St, Milford, MI 48381

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,306 sqft · built 1906
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Feb 2018)
Tax Bill	$5,622 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LM-16-11-109-008`

Property Details

APN / Parcel Number

Primary APN	`LM-16-11-109-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,306 sqft Living Area
1st Floor Area	1,334 sqft
Basement Area	788 sqft
Unfinished Basement	788 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	68.2 ft deep x 124 ft wide
Garage Area	631 sqft
Parking Spaces	2 Parking Spaces
Deck Area	454 sqft
Patio Area	1,023 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	320 E COMMERCE ST
City	MILFORD
State	MI
Zip	48381-1920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T2N, R7E, SEC 10 & 11 PHELPS' ADD. N 1/2 OF LOT 10 EXC W 89 FT OF N 18 FT, E 43 FT OF LOT 11, W 33 FT OF LOT 12 & W 33 FT OF N 3/4 OF LOT 13 BLK 7 01/27/86 FR 001
Legal Range	07E
Legal Township	02N
Legal Section	10
Legal Subdivision	PHELPS' ADD
Legal Block	7
Legal Lot Number	10-13
Jurisdiction	OAKLAND MI
Township / Civil Division	MILFORD
Census Block Group	1
Census Block	1006
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 assessment roll, as of January 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	320 E COMMERCE ST, MILFORD, MI 48381-1920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY CHOICE CU
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CHOICE CU
Feb 9, 2018	Warranty Deed, Transfer TITLE ONE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 9, 2018 · Amount on Record
Deed Sale	Feb 9, 2018 · Amount on Record
Prior Sale	Mar 3, 2003 · Amount on Record
Deed Document Number	201820983
Deed Book / Page	51545 / 714
Prior Transfer Date	Sep 9, 1996
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	320 E COMMERCE ST, MILFORD, MI 48381-1920
Transaction Type	Mortgage
Record Updated	Jun 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E COMMERCE ST, MILFORD, MI 48381-1920

Mortgage

Document Number	0000062681
Date	Jun 8, 2023
Book Page	58658/580
Instrument	62681

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON, MI 48334

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 6, 2033

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	320 E COMMERCE ST, MILFORD, MI 48381-1920
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E COMMERCE ST, MILFORD, MI 48381-1920

Mortgage

Document Number	0000231032
Date	Nov 5, 2020
Book Page	55118/220
Instrument	231032

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON, MI 48334

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 9, 2018
Property Address	320 E COMMERCE ST, MILFORD, MI 48381-1920
Document Number	0000020983
Book / Page	51545 / 00714
Map Reference	LB 2 PG 22B
Instrument Date	Feb 2, 2018
Instrument	20983
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	TITLE ONE INC

Transaction

Amount	Amount Recorded
Tax	$2,451.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4028 CHEVRON DR, 4028, HIGHLAND, MI 48356-1116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E COMMERCE ST, MILFORD, MI 48381-1920

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	$5,622.00 (-10.45%) Homeowner's exemption	$194,720 (+4.57%)	$389,440 (+4.57%)
2024	$6,278.00 (+25.51%)
2023		$186,210	$372,420
2021	$5,002.00

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

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 USA Fixed Wireless	100 / 20

May also be available: Verizon.

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