Oakland County property record for 320 E Commerce St, Milford, MI 48381
| 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 |
| Primary APN | LM-16-11-109-008 |
|---|
| 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 |
| 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 |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| 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 |
Source: Oakland County records · APN LM-16-11-109-008
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 | Individual Name on File |
|---|---|
| Mailing Address | 320 E COMMERCE ST, MILFORD, MI 48381-1920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 08, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY CHOICE CU |
| Nov 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CHOICE CU |
| Feb 09, 2018 | Warranty Deed, Transfer TITLE ONE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 09, 2018 · Amount on Record |
| Deed Sale | Feb 09, 2018 · Amount on Record |
| Prior Sale | Mar 03, 2003 · Amount on Record |
| Deed Document Number | 201820983 |
| Deed Book / Page | 51545 / 714 |
| Prior Transfer Date | Sep 09, 1996 |
| Record Updated | Sep 20, 2026 |
| 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 |
| Name | Verified Name |
|---|---|
| Address | 320 E COMMERCE ST, MILFORD, MI 48381-1920 |
| Document Number | 0000062681 |
|---|---|
| Date | Jun 08, 2023 |
| Book Page | 58658/580 |
| Instrument | 62681 |
| Name | COMMUNITY CHOICE CU |
|---|---|
| Type | Credit Union |
| Address | FARMINGTON, MI 48334 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 06, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 320 E COMMERCE ST, MILFORD, MI 48381-1920 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 320 E COMMERCE ST, MILFORD, MI 48381-1920 |
| Document Number | 0000231032 |
|---|---|
| Date | Nov 05, 2020 |
| Book Page | 55118/220 |
| Instrument | 231032 |
| Name | COMMUNITY CHOICE CU |
|---|---|
| Type | Credit Union |
| Address | FARMINGTON, MI 48334 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Feb 09, 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 02, 2018 |
| Instrument | 20983 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | TITLE ONE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,451.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4028 CHEVRON DR, 4028, HIGHLAND, MI 48356-1116 |
| Name | Verified Name |
|---|---|
| Address | 320 E COMMERCE ST, MILFORD, MI 48381-1920 |
Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Milford Charter Township |
| Municipality | Milford Village |
| Unified School District | Huron Valley 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 | $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 |
Source: FEMA National Flood Hazard Layer, Oakland County (26125C), as of December 8, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 386 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MI0004390, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VILLAGE OF MILFORD serves 6,366 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 4 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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