3581 Arbor, Royal Oak, MI 48073 Property Records

Oakland County property record for 3581 Arbor, Royal Oak, MI 48073

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,418 sqft · built 2017
Lot Size	0.178 acres (7,754 sqft)
Owner	Individual Name on File
Last Sale	$498,331 (Oct 2017)
Tax Bill	$8,070 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`72-25-04-354-032`

Property Details

APN / Parcel Number

Primary APN	`72-25-04-354-032`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,418 sqft Living Area
1st Floor Area	1,197 sqft
Basement Area	1,197 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
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	3581 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 26, 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 OCCPN 20
Legal Unit	26
Jurisdiction	OAKLAND MI
Township / Civil Division	ROYAL OAK
Census Block Group	4
Census Block	4005
Census Tract	183200

Owner

3581 Arbor, a condominium, is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	3581 ARBOR, ROYAL OAK, MI 48073-4808
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage BNC NATIONAL BANK
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage BNC NATIONAL BANK
Oct 6, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES
May 25, 2017	Loan Modification, Mortgage · Line of Credit FLAGSTAR BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2017 · Amount on File
Deed Sale	Oct 6, 2017 · Amount on File
Deed Document Number	2017186188
Deed Book / Page	51152 / 628
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3581 ARBOR, ROYAL OAK, MI 48073-4808
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3581 ARBOR, ROYAL OAK, MI 48073-4808

Mortgage

Document Number	0000245931
Date	Oct 20, 2021
Book Page	57007/318
Instrument	245931

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3581 ARBOR, ROYAL OAK, MI 48073-4808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000113965
Date	Jun 15, 2020
Book Page	54346/364
Instrument	113965

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 6, 2017
Property Address	3581 ARBOR, ROYAL OAK, MI 48073-4808
Document Number	0000186188
Book / Page	51152 / 00628
Map Reference	LB 47557 PG 687
Instrument Date	Sep 28, 2017
Instrument	186188
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,287.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6905 TELEGRAPH RD STE 200, 6905, BLOOMFIELD HILLS, MI 48301-3187

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3581 ARBOR, ROYAL OAK, MI 48073-4808

Mortgage

Document Number	0000186189
Date	Oct 6, 2017
Instrument	186189

Lender

Name	FIRST SECURITIES FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OAKLAND MI
Property Address	3581 ARBOR, ROYAL OAK, MI 48073-4808
Document Number	0000111551
Book / Page	050746 / 000084
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Aug 4, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMTITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	6905 TELEGRAPH RD #200 BLOOMFIELD HILLS MI 483013159, 200, BLOOMFIELD HILLS, MI 48301-3159

Mortgage

Document Number	0000111551
Date	Jun 8, 2017
Book Page	050746/000084
Instrument	111551

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3581 Arbor was $8,070 with a homeowner's exemption, down 22.1% from the year before.

Source: Oakland County assessment roll, as of January 21, 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	$8,070.00 (-22.07%) Homeowner's exemption	$306,910	$613,820
2024	$10,355.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3581 Arbor 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

Wildfire risk around 3581 Arbor 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 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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