3591 Arbor, Royal Oak, MI 48073 Property Records

Oakland County property record for 3591 Arbor, Royal Oak, MI 48073

Property Summary

Property Type	Condominium
Details	2.5 ba · 2,395 sqft · built 2016
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Sep 2021)
Tax Bill	$9,018 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`72-25-04-354-031`

Property Details

APN / Parcel Number

Primary APN	`72-25-04-354-031`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,395 sqft Living Area
1st Floor Area	1,192 sqft
Basement Area	1,192 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Condo/Apartment
Lot Area	13,199 sqft (0.303 acres)
Lot Depth	154 ft Depth
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	3591 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 25, 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	25
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3591 ARBOR, ROYAL OAK, MI 48073-4808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 30, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jul 12, 2017	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
May 25, 2017	Loan Modification, Mortgage · Line of Credit FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Jul 12, 2017 · Amount on Record
Deed Document Number	2021233972
Deed Book / Page	56933 / 69
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3591 ARBOR, ROYAL OAK, MI 48073-4808
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3591 ARBOR, ROYAL OAK, MI 48073-4808

Mortgage

Document Number	0000219685
Date	Oct 22, 2020
Book Page	55041/351
Instrument	219685

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2045

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 30, 2021
Property Address	3591 ARBOR, ROYAL OAK, MI 48073-4808
Document Number	0000233972
Book / Page	56933 / 69
Map Reference	LB 47557 PG 687
Instrument Date	Sep 29, 2021
Instrument	233972
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,687.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3591 ARBOR, 3591, ROYAL OAK, MI 48073-4808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	713 E UNIVERSITY AVE, ROYAL OAK, MI 48067-4227

Mortgage

Document Number	0056933548
Date	Sep 30, 2021
Instrument	56933/548

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	7.62%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 12, 2017
Property Address	3591 ARBOR, ROYAL OAK, MI 48073-4808
Document Number	0000132704
Book / Page	50858 / 00867
Map Reference	LB 47557 PG 687
Instrument Date	Jun 20, 2017
Instrument	132704
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Tax	$3,818.40
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	3591 ARBOR AVE 202, 202, TROY, MI 48084

Mortgage

Document Number	0000132705
Date	Jul 12, 2017
Instrument	132705

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OAKLAND MI
Property Address	3591 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	Company
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 Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$9,018.00 (-22.07%) Homeowner's exemption	$340,110	$680,220
2024	$11,572.00

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

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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