3899 Elder Rd S, West Bloomfield, MI 48324 Property Records

Oakland County property record for 3899 Elder Rd S, West Bloomfield, MI 48324

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,631 sqft · built 1995
Lot Size	0.612 acres (26,659 sqft)
Owner	Individual Name on File
Last Sale	$725,000 (May 2026)
Tax Bill	$6,306 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Aug 2024 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`X-18-18-226-033`

Property Details

APN / Parcel Number

Primary APN	`X-18-18-226-033`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,631 sqft Living Area
1st Floor Area	1,907 sqft
Basement Area	1,844 sqft
Finished Basement	1,844 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Hip
Lot Area	26,659 sqft (0.612 acres)
Lot Dimensions	26,676 ft deep x 1 ft wide
Garage Area	854 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	79 sqft
Deck Area	506 sqft
Patio Area	506 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3899 ELDER RD S
City	WEST BLOOMFIELD
State	MI
Zip	48324-2571
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T2N, R9E, SEC 18 WHISPERING WOODS SUB LOT 40 2-1-89 FR 002
Legal Range	09E
Legal Township	02N
Legal Section	18
Legal Subdivision	WHISPERING WOODS SUB
Legal Lot Number	2,40
Jurisdiction	OAKLAND MI
Township / Civil Division	WEST BLOOMFIELD
Census Block Group	6
Census Block	6000
Census Tract	156200

Owner

3899 Elder Rd S is owned and occupied by an individual who bought it in May 2026.

Source: Oakland County records, as of May 29, 2026

Owner of Record	Individual Name on File
Mailing Address	41024 MORNINGSIDE, NOVI, MI 48375
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
Mar 1, 2023	Deed of Trust, Mortgage · Line of Credit DFCU FINANCIAL
Aug 14, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DFCU FINANCIAL
May 13, 2026	Warranty Deed, Transfer · Conventional Mortgage EQUITY TITLE COMPANY, EQUITY TITLE
May 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Jan 27, 2023	Warranty Deed, Transfer · Conventional Mortgage DFCU FINANCIAL
Feb 14, 2017	Quit Claim Deed, Transfer NATIONALLINK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2026 · Amount on File
Deed Sale	May 13, 2026 · Amount on File
Prior Sale	Jan 27, 2023 · Amount on File
Deed Document Number	202664795
Deed Book / Page	61191 / 525
Prior Transfer Date	Jan 18, 2017
Prior Transfer Doc	0000028344
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3899 ELDER RD S, WEST BLOOMFIELD, MI 48324-2571
Transaction Type	Mortgage
Record Updated	May 27, 2026
Title Company	DFCU TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3899 ELDER RD S, WEST BLOOMFIELD, MI 48324-2571

Mortgage

Document Number	0000019882
Date	Mar 1, 2023
Book Page	58448/436
Instrument	19882

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3899 ELDER RD S, WEST BLOOMFIELD, MI 48324-2571
Transaction Type	Mortgage
Record Updated	May 27, 2026
Title Company	DFCU TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3899 ELDER RD S, WEST BLOOMFIELD, MI 48324-2571

Mortgage

Document Number	0000090426
Date	Aug 14, 2024
Book Page	59564/146
Instrument	90426

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 31, 2034

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	May 13, 2026
Property Address	3899 ELDER RD S, WEST BLOOMFIELD, MI 48324-2571
Document Number	20260064795
Book / Page	61191 / 525
Instrument Date	May 4, 2026
Instrument	202664795
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$549,187.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063401,
Date	May 13, 2026
Book Page	61183/557
Instrument	202663401

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	May 11, 2026
Property Address	3899 ELDER RD S, WEST BLOOMFIELD, MI 48324-2571
Document Number	0000063401
Book / Page	61183 / 557
Instrument Date	May 4, 2026
Instrument	202663401
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41024 MOORINGSIDE, NOVI, MI 48375-3543

Mortgage

Document Number	0000063401,
Date	May 11, 2026
Book Page	61183/557
Instrument	202663401

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 27, 2023
Property Address	3899 ELDER RD S, WEST BLOOMFIELD, MI 48324-2571
Document Number	0000009958
Book / Page	58396 / 547
Map Reference	LB 205 PG 21-25
Instrument Date	Jan 23, 2023
Instrument	9958
Transaction Type	Transfer
Record Updated	Feb 9, 2023
Title Company	CAPITAL TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3899 ELDER RD S, WEST BLOOMFIELD, MI 48324-2571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3899 ELDER RD S, WEST BLOOMFIELD, MI 48324-2571

Mortgage

Document Number	0000009152
Date	Jan 25, 2023
Book Page	58392/633
Instrument	9152

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.8%
Index	Other
Margin	3
Max Rate	10.8%

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 14, 2017
Property Address	3899 ELDER RD S, WEST BLOOMFIELD, MI 48324-2571
Document Number	0000028344
Book / Page	050383 / 000782
Instrument Date	Feb 1, 2017
Instrument	28344
Transaction Type	Transfer
Record Updated	Apr 19, 2017
Title Company	NATIONALLINK

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3899 ELDER RD S WEST BLOOMFIELD MI 483242571, WEST BLOOMFIELD, MI 48324-2571

Tax Assessment & Valuation

The 2025 property tax bill for 3899 Elder Rd S was $6,306 with a homeowner's exemption, down 41.2% from the year before.

Source: Oakland County assessment roll, as of February 4, 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	$6,306.00 (-41.21%) Homeowner's exemption	$321,200 Land $36,450 Building $284,750	$642,400 Land $72,900 Building $569,500
2024	$10,727.00
2023			$519,940 Land $72,900 Building $447,040
2022	$6,444.00	$259,970 Land $36,450 Building $223,520

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 3899 Elder Rd S 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 3899 Elder Rd S 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 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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