Oakland County property record for 3515 Durham Rd, Royal Oak, MI 48073
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 876 sqft · built 1950 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $286,500 (Feb 2026) |
| Tax Bill | $5,239 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Feb 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 72-25-05-476-041 |
| Primary APN | 72-25-05-476-041 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 876 sqft Living Area |
| 1st Floor Area | 684 sqft |
| Basement Area | 684 sqft |
| Finished Basement | 684 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 145 ft deep x 45 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 111 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 3515 DURHAM RD |
|---|---|
| City | ROYAL OAK |
| State | MI |
| Zip | 48073-2341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ONE FAM |
| Legal Description | T1N, R11E, SEC 5 STARR ACRES N 45 FT OF LOT 83 |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 05 |
| Legal Subdivision | STARR ACRES SUBDIVISION |
| Legal Lot Number | 83 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | ROYAL OAK |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 183200 |
3515 Durham Rd is owned by two individuals who bought it in February 2026.
Source: Oakland County records, as of June 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4763 RAMBLING DR, TROY, MI 48098-6635 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Sep 20, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Sep 5, 2023 | Quit Claim Deed, Transfer PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC |
| Sep 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| May 21, 2019 | Deed of Trust, Mortgage · FHA Mortgage TOWNE MORTGAGE CO |
| Sep 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2026 · Amount on File |
| Deed Sale | Feb 12, 2026 · Amount on File |
| Prior Sale | Sep 19, 2022 · Amount on File |
| Deed Document Number | 202619131 |
| Deed Book / Page | 60946 / 27 |
| Prior Transfer Date | Aug 31, 2023 |
| Prior Transfer Doc | 0000096675 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3515 DURHAM RD, ROYAL OAK, MI 48073-2341 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2026 |
| Title Company | EVONS TITLE, DEVON TITLE |
| Name | Verified Name |
|---|---|
| Address | 3515 DURHAM RD, ROYAL OAK, MI 48073-2341 |
| Document Number | 0000224945 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 56870/485 |
| Instrument | 224945 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Feb 12, 2026 |
| Property Address | 3515 DURHAM RD, ROYAL OAK, MI 48073-2341 |
| Document Number | 20260019131 |
| Book / Page | 60946 / 27 |
| Map Reference | LB 23 PG 15 |
| Instrument Date | Feb 9, 2026 |
| Instrument | 20260019131 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,148.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 144 ANN MARIA DR, ROCHESTER HILLS, MI 48306-4300 |
| Name | Verified Name |
|---|---|
| Address | 4763 RAMBLING DR, TROY, MI 48098-6635 |
| Document Number | 0006094629 |
|---|---|
| Date | Feb 12, 2026 |
| Instrument | 60946/29 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 5, 2023 |
| Property Address | 3515 DURHAM RD, ROYAL OAK, MI 48073-2341 |
| Document Number | 0000096675 |
| Book / Page | 58851 / 869 |
| Map Reference | LB 23 PG 15 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 96675 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2023 |
| Title Company | PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3515 DURHAM RD, ROYAL OAK, MI 48073-2341 |
| Name | Verified Name |
|---|---|
| Address | 144 ANN MARIA DR, ROCHESTER HILLS, MI 48306-4300 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 19, 2022 |
| Property Address | 3515 DURHAM RD, ROYAL OAK, MI 48073-2341 |
| Document Number | 0000445659 |
| Book / Page | 58121 / 205 |
| Map Reference | LB 23 PG 15 |
| Instrument Date | Sep 12, 2022 |
| Instrument | 445659 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 426 E 6TH ST, 426, ROYAL OAK, MI 48067-2761 |
| Name | Verified Name |
|---|---|
| Address | 3515 DURHAM RD, ROYAL OAK, MI 48073-2341 |
| Document Number | 0058121207 |
|---|---|
| Date | Sep 19, 2022 |
| Instrument | 58121/207 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3515 DURHAM RD, ROYAL OAK, MI 48073-2341 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RAVENSWOOD TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000078423 |
|---|---|
| Date | May 21, 2019 |
| Book Page | 52846/00890 |
| Instrument | 78423 |
| Name | TOWNE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3515 DURHAM RD, ROYAL OAK, MI 48073-2341 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3515 DURHAM RD, ROYAL OAK, MI 48073-2341 |
| Document Number | 0000188945 |
|---|---|
| Date | Sep 17, 2020 |
| Book Page | 54843/405 |
| Instrument | 188945 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 345 Months |
| Due | Jun 1, 2049 |
The 2025 property tax bill for 3515 Durham Rd was $5,239, down 14.2% from the year before.
Source: Oakland County assessment roll, as of February 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Royal Oak City |
| Unified School District | Royal Oak City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,239.00 (-14.21%) | $120,340 | $240,680 |
| 2024 | $6,107.00 | ||
| 2022 | $3,183.00 | ||
| 2018 | $71,530 | $143,060 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3515 Durham Rd 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.
The area around 3515 Durham Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ROYAL OAK serves 57,236 people · EPA ID MI0005830 |
|---|---|
| Water Source | Purchased surface water from SOUTHEASTERN OAKLAND CO W AUTH |
| Last State Inspection | May 2025 |
| Lead | 4 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 503 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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