320 State St, Oxford, MI 48371 Property Records

Oakland County property record for 320 State St, Oxford, MI 48371

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 2,836 sqft · built 2016
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$374,900 (Dec 2021)
Tax Bill	$5,268 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P-04-23-303-100`

Property Details

APN / Parcel Number

Primary APN	`P-04-23-303-100`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,836 sqft Living Area
1st Floor Area	1,359 sqft
Basement Area	1,359 sqft
Unfinished Basement	1,359 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Terrain	Rolling
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	41 sqft
Patio Area	41 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	320 STATE ST
City	OXFORD
State	MI
Zip	48371-6323
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	KV
Legal Description	T5N, R10E, SEC 23 OAKLAND COUNTY CONDOMINIUM PLAN NO 1517 THE HILLS OF WILLOW LAKE UNIT 100 L 28189 P 468 03-05-03 FR 301-001
Legal Range	10E
Legal Township	05N
Legal Section	23
Legal Subdivision	OAKLAND COUNTY CONDOMINIUM
Legal Unit	100
Jurisdiction	OAKLAND MI
Township / Civil Division	OXFORD
Census Block Group	4
Census Block	4000
Census Tract	121000

Owner

320 State St, a condominium, is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	320 STATE ST, OXFORD, MI 48371-6323
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Aug 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FRANKENMUTH CU
Dec 1, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Jan 12, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2021 · Amount on File
Deed Sale	Dec 1, 2021 · Amount on File
Prior Sale	Jan 12, 2017 · Amount on File
Deed Document Number	2021266273
Deed Book / Page	57131 / 866
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	320 STATE ST, OXFORD, MI 48371-6323
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	MASON BURGESS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 AMYS WALK, AUBURN HILLS, MI 48326-3071

Mortgage

Document Number	0000206118
Date	Aug 24, 2021
Book Page	56746/303
Instrument	206118

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 1, 2021
Property Address	320 STATE ST, OXFORD, MI 48371-6323
Document Number	0000266273
Book / Page	57131 / 866
Map Reference	LB 28189 PG 468
Instrument Date	Aug 20, 2021
Instrument	266273
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$2,812.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 STATE ST, 320, OXFORD, MI 48371-6323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 STATE ST, OXFORD, MI 48371-6323

January 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 12, 2017
Property Address	320 STATE ST, OXFORD, MI 48371-6323
Document Number	0000007527
Book / Page	50279 / 00261
Instrument Date	Dec 30, 2016
Instrument	007527
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 12, 2022
Title Company	TITLE ONE INC

Transaction

Amount	Amount on Record
Tax	$602.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 71075, ROCHESTER HILLS, MI 48307-0020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3069 COVEY HL, OXFORD, MI 48371-5407

Mortgage

Document Number	0000007528
Date	Jan 12, 2017
Instrument	007528

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

Interest

Type Change Date	Jan 1, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 320 State St was $5,268 with a homeowner's exemption, down 37.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Oxford Charter Township
Unified School District	Oxford Area Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,268.00 (-37.35%) Homeowner's exemption	$262,540	$525,080
2024	$8,409.00
2023		$231,840 (+12.25%)	$463,680 (+12.25%)
2022	$7,677.00 (+17.6%) Homeowner's exemption	$206,540	$413,080
2021	$6,528.00

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

Flood

FEMA maps place 320 State St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 320 State St is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OXFORD TOWNSHIP serves 10,407 people · EPA ID MI0005138
Water Source	Groundwater
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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