3790 Ray Rd, Oxford, MI 48370 Property Records

Oakland County property record for 3790 Ray Rd, Oxford, MI 48370

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,932 sqft · built 1989
Lot Size	9.62 acres (419,047 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Jul 2021)
Tax Bill	$4,618 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A-05-18-301-005`

Property Details

APN / Parcel Number

Primary APN	`A-05-18-301-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,932 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	419,047 sqft (9.62 acres)
Terrain	Wooded
Garage Area	666 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	217 sqft
Deck Area	402 sqft
Patio Area	558 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3790 RAY RD
City	OXFORD
State	MI
Zip	48370-1828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SELECTCODE
Legal Description	T5N, R11E, SEC 18 PART OF SW FRAC 1/4 BEG AT PT DIST N 00-38-30 E 1327.95 FT & E 680.60 FT & N 47.48 FT & N 22-00-00 E 97.40 FT FROM SW SEC COR, TH N 44-00-00 E 207.48 FT, TH N 39-02-35 W 1343.56 FT, TH N 83-20-13 W 101 FT, TH S 01-32-14 E 582.74 FT,
Legal Range	11E
Legal Township	05N
Legal Section	18
Legal Subdivision	FORD
Jurisdiction	OAKLAND MI
Township / Civil Division	ADDISON
Census Block Group	1
Census Block	1002
Census Tract	120300

Owner

3790 Ray Rd is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3790 RAY RD, OXFORD, MI 48370-1828
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2021 · Amount on File
Deed Sale	Jul 29, 2021 · Amount on File
Prior Sale	Dec 20, 2000
Deed Document Number	2021187324
Deed Book / Page	56620 / 507
Prior Transfer Date	Oct 24, 2000
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 29, 2021
Property Address	3790 RAY RD, OXFORD, MI 48370-1828
Document Number	0000187324
Book / Page	56620 / 507
Instrument Date	Jul 13, 2021
Instrument	187324
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,601.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3790 RAY RD, 3790, OXFORD, MI 48370-1828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3790 RAY RD, OXFORD, MI 48370-1828

Mortgage

Document Number	0056620509
Date	Jul 29, 2021
Instrument	56620/509

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3790 Ray Rd was $4,618 with a homeowner's exemption, down 32.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Addison Township
Unified School District	Oxford Area Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,618.00 (-32.27%) Homeowner's exemption	$229,830	$459,660
2024	$6,818.00
2023		$192,050	$384,100

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

FEMA maps place 3790 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

Wildfire risk around 3790 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.

Internet Providers

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Ray Rd

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