Oakland County property record for 3490 Black Cherry, Oakland, MI 48363
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6.5 ba · 5,405 sqft · built 2001 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,200,000 (Apr 2022) |
| Tax Bill | $9,227 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Apr 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | N-10-19-452-020 |
| Primary APN | N-10-19-452-020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 20 Plumbing Fixtures |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 5,405 sqft Living Area |
| 1st Floor Area | 3,215 sqft |
| Basement Area | 2,879 sqft |
| Unfinished Basement | 2,879 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Lot Area | 27,443 sqft (0.63 acres) |
| Garage Area | 915 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 950 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 3490 BLACK CHERRY |
|---|---|
| City | OAKLAND |
| State | MI |
| Zip | 48363-2641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SI |
| Legal Description | T4N, R11E, SEC 19 CENTURY OAKS NO 1 LOT 30 11-7-95 FR 300-004 & 400-009 |
| Legal Range | 11E |
| Legal Township | 04N |
| Legal Section | 19 |
| Legal Subdivision | CENTURY OAKS |
| Legal Lot Number | 11,30 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | OAKLAND |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 190700 |
3490 Black Cherry is owned and occupied by two individuals who bought it in April 2022.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3490 BLACK CHERRY, OAKLAND, MI 48363-2641 |
| 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.
| Date | Document |
|---|---|
| Mar 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SOMERSET LENDING CORP |
| Apr 1, 2022 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE |
| Jun 27, 2018 | Warranty Deed, Transfer · ARM CHEMICAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2022 · Amount on File |
| Deed Sale | Apr 1, 2022 · Amount on File |
| Prior Sale | Jun 27, 2018 · Amount on File |
| Deed Document Number | 2022353220 |
| Deed Book / Page | 57639 / 154 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3490 BLACK CHERRY, OAKLAND, MI 48363-2641 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3490 BLACK CHERRY, OAKLAND, MI 48363-2641 |
| Document Number | 0000341224 |
|---|---|
| Date | Mar 11, 2022 |
| Book Page | 57568/261 |
| Instrument | 341224 |
| Name | SOMERSET LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROCHESTER, MI 48307 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
| Type Change Date | Apr 1, 2037 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.99% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.99% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 1, 2022 |
| Property Address | 3490 BLACK CHERRY, OAKLAND, MI 48363-2641 |
| Document Number | 0000353220 |
| Book / Page | 57639 / 154 |
| Map Reference | LB 242 PG 32-35 |
| Instrument Date | Mar 8, 2022 |
| Instrument | 353220 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $9,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3490 BLACK CHERRY, 3490, OAKLAND, MI 48363-2641 |
| Name | Verified Name |
|---|---|
| Address | 3490 BLACK CHERRY, OAKLAND, MI 48363-2641 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 27, 2018 |
| Property Address | 3490 BLACK CHERRY, OAKLAND, MI 48363-2641 |
| Document Number | 0000107412 |
| Book / Page | 51944 / 00653 |
| Map Reference | LB 242 PG 32-35 |
| Instrument Date | Jun 15, 2018 |
| Instrument | 107412 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3490 BLACK CHERRY, 3490, OAKLAND, MI 48363-2641 |
| Name | Verified Name |
|---|---|
| Address | 3490 BLACK CHERRY, OAKLAND, MI 48363-2641 |
| Document Number | 0000107413 |
|---|---|
| Date | Jun 27, 2018 |
| Instrument | 107413 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Jul 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.37% |
| Index | 1-Year LIBOR |
| Max Rate | 9.37% |
The 2025 property tax bill for 3490 Black Cherry was $9,227 with a homeowner's exemption, down 33.4% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Oakland Charter Township |
| Unified School District | Rochester Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,227.00 (-33.36%) Homeowner's exemption | $635,810 | $1,271,620 |
| 2024 | $13,845.00 | ||
| 2023 | $532,030 | $1,064,060 | |
| 2021 | $10,625.00 |
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.
FEMA maps place 3490 Black Cherry in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3490 Black Cherry 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 | None beyond ember reach |
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 | SOUTHWEST OAKLAND TOWNSHIP serves 4,943 people · EPA ID MI0004878 |
|---|---|
| Water Source | Groundwater |
| Lead | Under 1 ppb (2023–2025) 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 174 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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