3965 Midland Rd E, Waterford, MI 48329 Property Records

Oakland County property record for 3965 Midland Rd E, Waterford, MI 48329 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,434 sqft · built 1969
Lot Size	0.188 acres (8,189 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Jul 2025)
Tax Bill	$2,928 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit May 2022 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`W-13-03-428-015`

Property Details

APN / Parcel Number

Primary APN	`W-13-03-428-015`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,434 sqft Living Area
1st Floor Area	1,434 sqft
Basement Area	1,245 sqft
Unfinished Basement	1,245 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	8,189 sqft (0.188 acres)
Lot Dimensions	67.5 ft deep x 81 ft wide
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	218 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3965 MIDLAND RD E
City	WATERFORD
State	MI
Zip	48329-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T3N, R9E, SEC 3 SUPERVISOR'S PLAT NO 10 LOTS 141 & 142
Legal Range	09E
Legal Township	03N
Legal Section	03
Legal Subdivision	SUPERVISORS PLAT NO 10
Legal Lot Number	141-142
Jurisdiction	OAKLAND MI
Township / Civil Division	WATERFORD
Census Block Group	6
Census Block	6000
Census Tract	143500

Owner

Source: Oakland County records · APN W-13-03-428-015

Assessment roll updated January 21, 2026 · Last verified August 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 File
Mailing Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 06, 2023	Deed of Trust, Mortgage · Line of Credit COMMUNITY CHOICE CU
May 11, 2022	Deed of Trust, Mortgage · Line of Credit COMMUNITY CHOICE CU
Nov 30, 2021	Deed of Trust, Mortgage · Line of Credit COMMUNITY CHOICE CU
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage OMEGA LENDING
Jun 10, 2020	Warranty Deed, Transfer · Conventional with PMI OMEGA LNDG
Sep 06, 2019	Warranty Deed, Transfer NOT AVAILABLE
Mar 31, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 16, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 28, 2025 · Amount on Record
Deed Sale	Jul 28, 2025 · Amount on Record
Prior Sale	Jun 10, 2020 · Amount on Record
Deed Document Number	202591549
Deed Book / Page	60393 / 789
Prior Transfer Date	Nov 08, 2011
Prior Transfer Doc	0000215966
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035

Mortgage

Document Number	0000097346
Date	Sep 06, 2023
Book Page	58855/848
Instrument	97346

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON, MI 48334

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	324 Months
Due	Sep 05, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035

Mortgage

Document Number	0000380664
Date	May 11, 2022
Book Page	57762/431
Instrument	380664

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON, MI 48334

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	324 Months
Due	May 10, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035

Mortgage

Document Number	0000264871
Date	Nov 30, 2021
Book Page	57123/339
Instrument	264871

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON, MI 48334

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035

Mortgage

Document Number	0000024125
Date	Jan 28, 2021
Book Page	55593/644
Instrument	24125

Lender

Name	OMEGA LENDING
Type	Non-Lending Institution
Address	ROYAL OAK, MI 48067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 10, 2020
Property Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035
Document Number	0000111292
Book / Page	054328 / 000623
Instrument Date	Mar 31, 2020
Instrument	111292
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,176.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3928 WOODSLEE DR ROYAL OAK MI 48073, ROYAL OAK, MI 48073

Mortgage

Document Number	111293
Date	Jun 10, 2020
Book Page	054328/000625
Instrument	111293

Lender

Name	OMEGA LNDG
Address	ROYAL OAK, MI 48067

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 09, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 06, 2019
Property Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035
Document Number	0000145015
Book / Page	053218 / 000121
Instrument Date	Aug 27, 2019
Instrument	145015
Transaction Type	Transfer
Record Updated	Oct 01, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,505.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9935 NORMAN RD CLARKSTON MI 483482441, CLARKSTON, MI 48348-2441

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 31, 2020
Property Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035
Document Number	0000059094
Book / Page	054008 / 000807
Instrument Date	Aug 22, 2019
Instrument	59094
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3965 MIDLAND RD E WATERFORD TOWNSHIP MI 483292035, WATERFORD TOWNSHIP, MI 48329-2035

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	May 16, 2017
Property Address	3965 MIDLAND RD E, WATERFORD, MI 48329-2035
Document Number	0000095492
Book / Page	50669 / 00520
Map Reference	LB 50 PG 39
Instrument Date	May 15, 2017
Instrument	095492
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3965 MIELLAND RD, WATERFORD, MI 48329

Tax Assessment & Valuation

Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Waterford Charter Township
Unified School District	Waterford School District (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,928.00 (-44.82%) Homeowner's exemption	$146,770 (+9.59%)	$293,540 (+9.59%)
2024	$5,306.00 (+21%)
2023		$133,930	$267,860
2021	$4,385.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oakland County (26125C), updated December 8, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 336 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	1,200 / 35
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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