3654 Elder Rd S, West Bloomfield, MI 48324 Property Records

Oakland County property record for 3654 Elder Rd S, West Bloomfield, MI 48324

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,924 sqft · built 1976
Lot Size	0.544 acres (23,697 sqft)
Owner	2 Individual Names on Record
Last Sale	$880,000 (Aug 2019)
Tax Bill	$12,917 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`X-18-18-203-014`

Property Details

APN / Parcel Number

Primary APN	`X-18-18-203-014`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,924 sqft Living Area
1st Floor Area	1,385 sqft
Basement Area	1,365 sqft
Finished Basement	1,365 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	23,697 sqft (0.544 acres)
Lot Dimensions	197 ft deep x 120 ft wide
View / Lot	Waterfront / Beach
Garage Area	775 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	273 sqft
Deck Area	66 sqft
Patio Area	783 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3654 ELDER RD S
City	WEST BLOOMFIELD
State	MI
Zip	48324-2530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	T2N, R9E, SEC 18 LAKEWOODS ESTATES LOT 19 EXC DESC AS BEG AT PT DIST S 42-35-47 W 121.89 FT FROM NW COR OF SD LOT 19, TH S 42-35-47 W 67.59 FT, TH S 42-35-47 W 30 FT TO TRAV PT 'A', TH S 42-35-47 W 10 FT M/L TO SHORE OF MIDDLE STRAITS LAKE, TH ELY AL
Legal Range	09E
Legal Township	02N
Legal Section	18
Legal Subdivision	LAKEWOODS ESTATES
Legal Lot Number	19
Jurisdiction	OAKLAND MI
Township / Civil Division	WEST BLOOMFIELD
Census Block Group	6
Census Block	6006
Census Tract	156200

Owner

Source: Oakland County records, as of September 29, 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	3654 ELDER RD S, WEST BLOOMFIELD, MI 48324-2530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Line of Credit GENISYS CREDIT UNION
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA
Feb 1, 2022	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Aug 20, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage LEVEL ONE BANK
Oct 9, 2019	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Aug 15, 2019	Warranty Deed, Transfer · ARM LEVEL ONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2019 · Amount on Record
Deed Sale	Aug 15, 2019 · Amount on Record
Deed Document Number	2019131843
Deed Book / Page	53142 / 420
Last Transfer Date	Aug 14, 2020
Transfer Doc	0000167048
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Sep 22, 2026
Property Address	3654 ELDER RD S, WEST BLOOMFIELD, MI 48324-2530
Document Number	0000140082
Book / Page	61567 / 568
Instrument Date	Sep 10, 2026
Instrument	2026140082
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3654 ELDER RD S, WEST BLOOMFIELD, MI 48324-2530

Mortgage

Document Number	0000140082,
Date	Sep 22, 2026
Book Page	61567/568
Instrument	2026140082

Lender

Name	GENISYS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 10, 2046

Interest

Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3654 ELDER RD S, WEST BLOOMFIELD, MI 48324-2530
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3654 ELDER RD S, WEST BLOOMFIELD, MI 48324-2530

Mortgage

Document Number	0000279007
Date	Dec 20, 2021
Book Page	57206/333
Instrument	279007

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3654 ELDER RD S, WEST BLOOMFIELD, MI 48324-2530
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3654 ELDER RD S, WEST BLOOMFIELD, MI 48324-2530

Mortgage

Document Number	0000309347
Date	Feb 1, 2022
Book Page	57384/337
Instrument	309347

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Aug 20, 2020
Property Address	3654 ELDER RD S, WEST BLOOMFIELD, MI 48324-2530
Document Number	0000167048
Book / Page	54694 / 371
Map Reference	LB 145 PG 20-22
Instrument Date	Aug 14, 2020
Instrument	167048
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	TITLE SOLUTIONS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3654 ELDER RD S, ORCHARD LAKE, MI 48324-2530

Mortgage

Document Number	0054694373
Date	Aug 20, 2020
Instrument	54694/373

Lender

Name	LEVEL ONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3654 ELDER RD S, WEST BLOOMFIELD, MI 48324-2530
Document Number	0000185677
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3654 ELDER RD S WEST BLOOMFIELD MI 483242530, WEST BLOOMFIELD, MI 48324-2530

Mortgage

Document Number	0000185677
Date	Nov 6, 2019
Book Page	053472/000417
Instrument	185677

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 15, 2019
Property Address	3654 ELDER RD S, WEST BLOOMFIELD, MI 48324-2530
Document Number	0000131843
Book / Page	53142 / 00420
Map Reference	LB 145 PG 20-22
Instrument Date	Jul 30, 2019
Instrument	131843
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	TITLE ONE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,568.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3654 ELDER RD S, 3654, WEST BLOOMFIELD, MI 48324-2530

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3654 EIDER ROAD S, WEST BLOOMFIELD, MI 48324-2530

Mortgage

Document Number	5314200424
Date	Aug 15, 2019
Instrument	53142/00424

Lender

Name	LEVEL ONE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	West Bloomfield Charter Township
Unified School District	Walled Lake Consolidated Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,917.00 (-40.61%) Homeowner's exemption	$689,950 (+15.34%) Land $343,190 Building $346,760	$1,379,900 (+15.34%) Land $686,380 Building $693,520
2024	$21,748.00 (+12.51%)
2023			$1,196,360 Land $623,980 Building $572,380
2022	$19,329.00	$598,180 Land $311,990 Building $286,190

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 97% of the US · lower than 93% 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	WEST BLOOMFIELD TOWNSHIP serves 49,479 people · EPA ID MI0006975
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Jul 2021
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

3654 Elder Rd S, West Bloomfield, MI 48324 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2026: Deed of Trust, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2020: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Elder Rd S

Nearby Streets

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