321 W 3rd St, Rochester, MI 48307 Property Records

Oakland County property record for 321 W 3rd St, Rochester, MI 48307

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,630 sqft · built 1901
Lot Size	0.159 acres (6,926 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Jul 2021)
Tax Bill	$5,825 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`68-15-15-233-001`

Property Details

APN / Parcel Number

Primary APN	`68-15-15-233-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,630 sqft Living Area
1st Floor Area	1,292 sqft
Basement Area	1,292 sqft
Unfinished Basement	1,292 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 2021
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,926 sqft (0.159 acres)
Lot Dimensions	121 ft deep x 57 ft wide

Exterior Amenities

Porch	Slab
Porch Area	83 sqft
Deck Area	84 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	321 W 3RD ST
City	ROCHESTER
State	MI
Zip	48307-1911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T3N, R11E, SEC 15 SUPERVISOR'S PLAT NO 4 LOT 96
Legal Range	11E
Legal Township	03N
Legal Section	15
Legal Subdivision	SUPERVISOR
Legal Lot Number	96
Jurisdiction	OAKLAND MI
Township / Civil Division	ROCHESTER
Census Block Group	2
Census Block	2012
Census Tract	191000

Owner

Source: Oakland County records, as of July 16, 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 Record
Mailing Address	321 W 3RD ST, ROCHESTER, MI 48307-1911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Jul 15, 2021	Warranty Deed, Transfer
Nov 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 10, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2021 · Amount on Record
Deed Sale	Jul 15, 2021 · Amount on Record
Prior Sale	Aug 19, 2015 · Amount on Record
Deed Document Number	2021176956
Deed Book / Page	56557 / 214
Prior Transfer Date	Mar 8, 2007
Prior Transfer Doc	0000075122
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	321 W 3RD ST, ROCHESTER, MI 48307-1911
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 W 3RD ST, ROCHESTER, MI 48307-1911

Mortgage

Document Number	0000115087
Date	Sep 15, 2025
Book Page	60526/828
Instrument	115087

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	321 W 3RD ST, ROCHESTER, MI 48307-1911
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	EMBASSY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 W 3RD ST, ROCHESTER, MI 48307-1911

Mortgage

Document Number	0000172774
Date	Jul 12, 2021
Book Page	56530/319
Instrument	172774

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 15, 2021
Property Address	321 W 3RD ST, ROCHESTER, MI 48307-1911
Document Number	0000176956
Book / Page	56557 / 214
Map Reference	LB 34 PG 49
Instrument Date	Jun 18, 2021
Instrument	176956
Transaction Type	Transfer
Record Updated	Aug 2, 2021

Transaction

Amount	Amount Recorded
Tax	$3,784.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 W 3RD ST, 321, ROCHESTER, MI 48307-1911

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2863 PINE KNOLL DR, AUBURN HILLS, MI 48326-3778

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	321 W 3RD ST, ROCHESTER, MI 48307-1911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000187157
Date	Nov 7, 2019
Book Page	53482/00194
Instrument	187157

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 10, 2017
Property Address	321 W 3RD ST, ROCHESTER, MI 48307-1911
Document Number	0000044516
Book / Page	050458 / 000257
Instrument Date	Mar 10, 2017
Instrument	44516
Transaction Type	Transfer
Record Updated	Apr 21, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 W 3RD ST ROCHESTER MI 483071911, ROCHESTER, MI 48307-1911

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Rochester City
Unified School District	Rochester Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,825.00 (-8.44%) Homeowner's exemption	$207,800 (+12.59%)	$415,600 (+12.59%)
2024	$6,362.00 (+35.02%)
2023		$184,570	$369,140
2021	$4,712.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Not rated no burnable land within 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	ROCHESTER serves 7,130 people · EPA ID MI0005720
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2024–2026) 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 456 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50

May also be available: T-Mobile, Verizon.

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