Oakland County property record for 3470 Mare Cir, Commerce Township, MI 48382
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,189 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Nov 2024 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | E-17-19-203-011 |
| Primary APN | E-17-19-203-011 |
|---|
| Lot Area | 20,038 sqft (0.46 acres) |
|---|
| Street Address | 3470 MARE CIR |
|---|---|
| City | COMMERCE TOWNSHIP |
| State | MI |
| Zip | 48382-2290 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | T2N, R8E, SEC 19 OAKLAND COUNTY CONDOMINIUM PLAN NO 2403 THE RESERVES AT PROUD LAKE UNIT 11 L 58770 P 497 8-8-23 FR 201-011 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | COMMERCE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 135100 |
3470 Mare Cir, residential vacant land, is owned by two individuals.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40409 OAK TREE, NOVI, MI 48375-3642 |
| 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.
| Date | Document |
|---|---|
| Feb 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HFG HOLDINGS INC |
| Nov 1, 2024 | Warranty Deed, Construction Loan · Construction Mortgage LAKE MICHIGAN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3470 MARE CIR, COMMERCE TOWNSHIP, MI 48382-2290 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3470 MARE CIR, COMMERCE TOWNSHIP, MI 48382-2290 |
| Document Number | 20260017113 |
|---|---|
| Date | Feb 9, 2026 |
| Book Page | 60934/612 |
| Instrument | 20260017113 |
| Name | HFG HOLDINGS INC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Nov 1, 2024 |
| Property Address | 3470 MARE CIR, COMMERCE TOWNSHIP, MI 48382-2290 |
| Document Number | 0000124070 |
| Book / Page | 59770 / 29 |
| Map Reference | LB 58770 PG 498-573 |
| Instrument Date | Oct 29, 2024 |
| Instrument | 124070 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 23, 2025 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,087.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3596 W MAPLE RD # RD230, RD230, BLOOMFIELD HILLS, MI 48301-3371 |
| Name | Verified Name |
|---|---|
| Address | 40409 OAK TREE, NOVI, MI 48375-3642 |
| Document Number | 0000124071 |
|---|---|
| Date | Nov 1, 2024 |
| Instrument | 124071 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.49% |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.4% |
| Index | 1-Year T-Bill |
| Max Rate | 11.4% |
The 2025 property tax bill for 3470 Mare Cir was $2,189.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Commerce Charter Township |
| Unified School District | Huron Valley Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,189.00 | $54,530 | $109,060 |
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.
FEMA maps place 3470 Mare Cir 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 risk around 3470 Mare Cir is low, with less than 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 94% of the US · lower than 87% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COMMERCE TOWNSHIP serves 19,811 people · EPA ID MI0001573 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | Nov 2021 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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