3848 Elder Rd S, West Bloomfield, MI 48324 Property Records

Oakland County property record for 3848 Elder Rd S, West Bloomfield, MI 48324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,065 sqft · built 1997
Lot Size	0.406 acres (17,685 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,232 (Apr 1997)
Tax Bill	$3,861 (2025)
Deeds & Mortgages	May 2026 Transfer Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`X-18-18-226-020`

Property Details

APN / Parcel Number

Primary APN	`X-18-18-226-020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,065 sqft Living Area
1st Floor Area	2,255 sqft
Basement Area	2,178 sqft
Unfinished Basement	2,178 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Hip
Lot Area	17,685 sqft (0.406 acres)
Lot Dimensions	177 ft deep x 100 ft wide
Garage Area	812 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	75 sqft
Deck Area	225 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3848 ELDER RD S
City	WEST BLOOMFIELD
State	MI
Zip	48324-2537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T2N, R9E, SEC 18 WHISPERING WOODS SUB LOT 27 2-1-89 FR 002
Legal Range	09E
Legal Township	02N
Legal Section	18
Legal Subdivision	WHISPERING WOODS SUB
Legal Lot Number	2,27
Jurisdiction	OAKLAND MI
Township / Civil Division	WEST BLOOMFIELD
Census Block Group	6
Census Block	6000
Census Tract	156200

Owner

Source: Oakland County records, as of May 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	3848 ELDER RD S, WEST BLOOMFIELD, MI 48324-2537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 3, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 19, 2018	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 10, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 13, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 1997 · Amount on Record
Deed Sale	Apr 21, 1997 · Amount on Record
Prior Sale	Feb 7, 1997
Last Transfer Date	May 18, 2026
Transfer Doc	20260066823
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	May 18, 2026
Property Address	3848 ELDER RD S, WEST BLOOMFIELD, MI 48324-2537
Document Number	20260066823
Book / Page	61204 / 684
Instrument Date	May 18, 2026
Instrument	202666823
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3848 ELDER RD S, WEST BLOOMFIELD, MI 48324-2537

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3848 ELDER RD S, WEST BLOOMFIELD, MI 48324-2537
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3848 ELDER RD S, ORCHARD LAKE, MI 48324-2537

Mortgage

Document Number	0000142247
Date	Jun 3, 2021
Book Page	56327/444
Instrument	142247

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	155 Months
Due	May 1, 2034

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3848 ELDER RD S, WEST BLOOMFIELD, MI 48324-2537
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000203448
Date	Dec 19, 2018
Book Page	52449/00183
Instrument	203448

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2034

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3848 ELDER RD S, WEST BLOOMFIELD, MI 48324-2537
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000110856
Date	Jun 10, 2020
Book Page	54324/750
Instrument	110856

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	164 Months
Due	Feb 1, 2034

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3848 ELDER RD S, WEST BLOOMFIELD, MI 48324-2537
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3848 BILDER RD S, WEST BLOOMFIELD, MI 48324

Mortgage

Document Number	0000209797
Date	Oct 13, 2020
Book Page	54981/234
Instrument	209797

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 18, 2050

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	$3,861.00 (-41.2%) Homeowner's exemption	$288,770 (+22.01%) Land $31,700 Building $257,070	$577,540 (+22.01%) Land $63,400 Building $514,140
2024	$6,566.00 (+14.99%)
2023			$473,360 Land $63,400 Building $409,960
2022	$5,710.00	$236,680 Land $31,700 Building $204,980

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 96% of the US · lower than 91% 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 395 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile.

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