Oakland County property record for 3540 Ray Rd, Oxford, MI 48370
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,955 sqft · built 2024 |
| Lot Size | 5.56 acres (242,194 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $423,500 (Jun 2009) |
| Tax Bill | $4,718 (2025) |
| Deeds & Mortgages | Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | A-05-18-326-011 |
| Primary APN | A-05-18-326-011 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,955 sqft Living Area |
| 1st Floor Area | 2,205 sqft |
| Basement Area | 2,205 sqft |
| Unfinished Basement | 2,205 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 242,194 sqft (5.56 acres) |
| Garage Area | 993 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 968 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3540 RAY RD |
|---|---|
| City | OXFORD |
| State | MI |
| Zip | 48370-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SELECTCODE |
| Legal Description | T5N, R11E, SEC 18 PART OF S 1/2 OF SEC BEG AT PT DIST S 01-20-54 W 1354.06 FT & W 2310.76 FT & N 03-21-50 W 398.23 FT FROM E 1/4 COR, TH N 85-10-35 W 540.80 FT, TH N 03-35-00 E 418.67 FT, TH N 89-47-00 W 64.53 FT, TH N 03-35-00 E 30.84 FT, TH S 89-47 |
| Legal Range | 11E |
| Legal Township | 05N |
| Legal Section | 18 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | ADDISON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 120300 |
3540 Ray Rd is owned and occupied by two individuals who acquired it in November 2024.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3540 RAY RD, OXFORD, MI 48370-1824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2009 · Amount on File |
| Deed Sale | Jun 17, 2009 · Amount on File |
| Deed Document Number | 2009112043 |
| Deed Book / Page | 41256 / 589 |
| Last Transfer Date | Nov 1, 2024 |
| Transfer Doc | 0000127825 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3540 RAY RD, OXFORD, MI 48370-1824 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000132114 |
|---|---|
| Date | Aug 8, 2018 |
| Book Page | 52076/00509 |
| Instrument | 132114 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3540 Ray Rd was $4,718 with a homeowner's exemption, up 393% from the year before.
Source: Oakland County assessment roll, as of February 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Addison Township |
| Unified School District | Oxford Area Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,718.00 (+393%) Homeowner's exemption | $248,010 | $496,020 |
| 2024 | $957.00 | ||
| 2023 | $282,320 | $564,640 | |
| 2021 | $5,536.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3540 Ray 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.
Wildfire risk around 3540 Ray Rd 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T DSL | 10 / 1 |
5G and 4G LTE (outdoors only)
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