321 State St, Oxford, MI 48371 Property Records

Oakland County property record for 321 State St, Oxford, MI 48371

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,978 sqft · built 2016
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Mar 2017)
Tax Bill	$4,145 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P-04-23-303-148`

Property Details

APN / Parcel Number

Primary APN	`P-04-23-303-148`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,978 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	10,019 sqft (0.23 acres)
Garage Area	822 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	65 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	321 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 148 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	148
Jurisdiction	OAKLAND MI
Township / Civil Division	OXFORD
Census Block Group	4
Census Block	4003
Census Tract	121000

Owner

321 State St, a condominium, is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 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
Jun 10, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 6, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Mar 29, 2017	Warranty Deed, Subdivision Related Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2017 · Amount on File
Deed Sale	Mar 29, 2017 · Amount on File
Prior Sale	Dec 10, 2014 · Amount on File
Deed Document Number	201757670
Deed Book / Page	50511 / 857
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	321 STATE ST, OXFORD, MI 48371-6323
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 STATE ST, OXFORD, MI 48371-6323

Mortgage

Document Number	0000394920
Date	Jun 10, 2022
Book Page	57840/210
Instrument	394920

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 22, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	321 STATE ST, OXFORD, MI 48371-6323
Document Number	0000011187
Instrument Date	Jan 6, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	321 STATE ST OXFORD MI 483716323, OXFORD, MI 48371-6323

Mortgage

Document Number	0000011187
Date	Jan 15, 2020
Book Page	053714/000709
Instrument	11187

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	324 Months
Due	Jan 14, 2047

March 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 29, 2017
Property Address	321 STATE ST, OXFORD, MI 48371-6323
Document Number	0000057670
Book / Page	050511 / 000857
Instrument Date	Mar 21, 2017
Instrument	57670
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2017
Title Company	TITLE ONE

Transaction

Amount	Amount on Record
Tax	$516.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10040 MAINS CT GOODRICH MI 484389467, GOODRICH, MI 48438-9467

Mortgage

Document Number	57671
Date	Mar 29, 2017
Book Page	050511/000858
Instrument	57671

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 321 State St was $4,145 with a homeowner's exemption, down 37.3% 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	$4,145.00 (-37.35%) Homeowner's exemption	$221,240	$442,480
2024	$6,616.00
2023		$194,910 (+12.37%)	$389,820 (+12.37%)
2022	$5,946.00 (+4.61%) Homeowner's exemption	$173,450	$346,900
2021	$5,684.00

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

Flood

FEMA maps place 321 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 321 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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