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323 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 323 E Commerce St, Milford, MI 48381

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 3,486 sqft · built 1901
Lot Size0.311 acres (13,547 sqft)
Owner2 Individual Names on File
Last Sale$515,000 (Jun 2017)
Tax Bill$9,633 (2025)
Deeds & MortgagesSep 2023 Mortgage
Apr 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APNLM-16-11-106-013

Property Details

APN / Parcel Number

Primary APNLM-16-11-106-013

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures11 Plumbing Fixtures
Total Rooms13 Rooms
Stories2 Stories
Building Area3,486 sqft Living Area
1st Floor Area2,122 sqft
Basement Area1,340 sqft
Unfinished Basement1,340 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1901
Effective Year BuiltEffective 2013
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Roof TypeHip
Lot Area13,547 sqft (0.311 acres)
Lot Dimensions110 ft deep x 82 ft wide
TerrainRolling
PorchSlab
Porch Area81 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address323 E COMMERCE ST
CityMILFORD
StateMI
Zip48381-1921
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRI
Legal DescriptionT2N, R7E, SEC 10 & 11 PHELPS' ADD. S 33 FT OF E 82 FT OF LOT 12 & E 82 FT OF LOTS 13 & 14 BLK 17
Legal Range07E
Legal Township02N
Legal Section10
Legal SubdivisionPHELPS' ADD
Legal Block17
Legal Lot Number12-14
JurisdictionOAKLAND MI
Township / Civil DivisionMILFORD
Census Block Group3
Census Block3017
Census Tract132500

Owner

Source: Oakland County records · APN LM-16-11-106-013

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 Record2 Individual Names on File
Mailing Address323 E COMMERCE ST, MILFORD, MI 48381-1921
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 22, 2023Deed of Trust, Mortgage · Conventional Mortgage
FIRST MERCHANTS BANK
Apr 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
LEVEL ONE BANK
Jun 15, 2020Deed of Trust, Mortgage · Conventional Mortgage
KEYBANK USA
Jun 02, 2017Warranty Deed, Transfer · Conventional Mortgage
MB FINANCIAL BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 02, 2017 · Amount on Record
Deed SaleJun 02, 2017 · Amount on Record
Prior SaleOct 14, 2010 · Amount on Record
Deed Document Number2017108326
Deed Book / Page50727 / 545
Record UpdatedSep 20, 2026

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address323 E COMMERCE ST, MILFORD, MI 48381-1921
Transaction TypeMortgage
Record UpdatedOct 03, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address323 E COMMERCE ST, MILFORD, MI 48381-1921

Mortgage

Document Number0000104579
DateSep 22, 2023
Book Page58896/595
Instrument104579
Lender
NameFIRST MERCHANTS BANK
TypeBank
AddressMUNCIE, IN 47305
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2053
Interest
Rate TypeAdjustable Rate
Rate8.87%
Type Change DateOct 01, 2030
Min Rate At Change3.87%
Max Rate At Change13.8%
Margin3
Max Rate13.8%

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address323 E COMMERCE ST, MILFORD, MI 48381-1921
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000081830
DateApr 22, 2020
Book Page54120/493
Instrument81830
Lender
NameLEVEL ONE BANK
TypeBank
AddressFARMINGTON, MI 48334
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2050

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address323 E COMMERCE ST, MILFORD, MI 48381-1921
Document Number0000127492
Instrument DateJun 15, 2020
Transaction TypeMortgage
Record UpdatedJul 29, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address323 E COMMERCE ST MILFORD MI 483811921, MILFORD, MI 48381-1921

Mortgage

Document Number0000127492
DateJun 30, 2020
Book Page054428/000706
Instrument127492
Lender
NameKEYBANK USA
TypeBank
AddressBROOKLYN, OH 44144
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 29, 2035

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateJun 02, 2017
Property Address323 E COMMERCE ST, MILFORD, MI 48381-1921
Document Number0000108326
Book / Page50727 / 00545
Map ReferenceLB 2 PG 22
Instrument DateMay 26, 2017
Instrument108326
Transaction TypeTransfer
Record UpdatedJun 29, 2021
Title CompanyATA NATONAL TITLE GROUP LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,429.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address323 E COMMERCE ST, 323, LAKE ORION, MI 48361

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1660 DELANCY CIR, CANTON, MI 48188-8503

Mortgage

Document Number0000111117
DateJun 02, 2017
Instrument111117
Lender
NameMB FINANCIAL BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2047

Tax Assessment & Valuation

Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
County SubdivisionMilford Charter Township
MunicipalityMilford Village
Unified School DistrictHuron Valley Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$9,633.00 (-10.45%) Homeowner's exemption$358,720 (+2.71%)$717,440 (+2.71%)
2024$10,757.00 (+24.68%)
2023$349,260$698,520
2021$8,628.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 8, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic DistrictWithin 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemVILLAGE OF MILFORD
serves 6,366 people
Water SourceGroundwater
Last State InspectionJul 2025
Lead4 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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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