3541 Arbor, Royal Oak, MI 48073 Property Records

Oakland County property record for 3541 Arbor, Royal Oak, MI 48073

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,184 sqft · built 2016
Lot Size	0.178 acres (7,754 sqft)
Owner	2 Individual Names on Record
Last Sale	$632,000 (Feb 2024)
Tax Bill	$8,411 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`72-25-04-354-036`

Property Details

APN / Parcel Number

Primary APN	`72-25-04-354-036`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,184 sqft Living Area
1st Floor Area	1,127 sqft
Basement Area	1,127 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Condo/Apartment
Lot Area	7,754 sqft (0.178 acres)
Lot Dimensions	154 ft deep x 50 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3541 ARBOR
City	ROYAL OAK
State	MI
Zip	48073-4808
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPEC REDEV
Legal Description	T1N, R11E, SEC 4 OAKLAND COUNTY CONDOMINIUM PLAN NO 2092, LEXINGTON ON THE PARK, UNIT 30, L 48897, P 219, 12-21-15 FR 351-045
Legal Range	11E
Legal Township	01N
Legal Section	04
Legal Subdivision	LEXINGTON ON THE PARK
Legal Unit	30
Jurisdiction	OAKLAND MI
Township / Civil Division	ROYAL OAK
Census Block Group	4
Census Block	4005
Census Tract	183200

Owner

Source: Oakland County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3541 ARBOR, ROYAL OAK, MI 48073-4808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 23, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 22, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2024 · Amount on Record
Deed Sale	Feb 22, 2024 · Amount on Record
Prior Sale	Sep 29, 2016 · Amount on Record
Deed Document Number	202417523
Deed Book / Page	59179 / 359
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3541 ARBOR, ROYAL OAK, MI 48073-4808
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3541 ARBOR, ROYAL OAK, MI 48073-4808

Mortgage

Document Number	20260025081
Date	Mar 2, 2026
Book Page	60979/845
Instrument	20260025081

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.3%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3541 ARBOR, ROYAL OAK, MI 48073-4808
Transaction Type	Mortgage
Record Updated	Apr 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 N GAINSBOROUGH AVE, ROYAL OAK, MI 48067-3604

Mortgage

Document Number	0000017792
Date	Feb 23, 2024
Book Page	59180/711
Instrument	17792

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 22, 2024
Property Address	3541 ARBOR, ROYAL OAK, MI 48073-4808
Document Number	0000017523
Book / Page	59179 / 359
Map Reference	LB 47567 PG 687-739
Instrument Date	Feb 15, 2024
Instrument	17523
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,740.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3541 ARBOR, ROYAL OAK, MI 48073-4808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 N GAINSBOROUGH AVE, ROYAL OAK, MI 48067-3604
Investor	Possibly a Property Investor

Mortgage

Document Number	0059180711
Date	Feb 22, 2024
Instrument	59180/711

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3541 ARBOR, ROYAL OAK, MI 48073-4808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089589
Date	May 6, 2020
Book Page	54178/412
Instrument	89589

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of February 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Royal Oak City
Unified School District	Royal Oak City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,411.00 (-13.74%) Homeowner's exemption	$288,230 (+34.69%)	$576,460 (+34.69%)
2024	$9,751.00 (+11.19%)
2022	$8,770.00
2018		$213,990	$427,980

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.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 421 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

May also be available: AT&T.

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