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401 Lorberta Ln, Waterford, MI 48328 Property Records

Oakland County property record for 401 Lorberta Ln, Waterford, MI 48328 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,080 sqft · built 1956
Lot Size0.258 acres (11,238 sqft)
OwnerIndividual Name on File
Last Sale$98,000 (Jan 2014)
Tax Bill$1,288 (2025)
Deeds & MortgagesJul 2022 Mortgage
Feb 2019 Mortgage
Flood ZoneZone X (minimal risk)
APNW-13-26-276-008

Property Details

APN / Parcel Number

Primary APNW-13-26-276-008

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures5 Plumbing Fixtures
Total Rooms4 Rooms
Stories1 Story
Building Area1,080 sqft Living Area
1st Floor Area1,080 sqft
Basement Area1,080 sqft
Unfinished Basement1,080 sqft
Game RoomGame Room

Exterior

Year BuiltBuilt 1956
Effective Year BuiltEffective 1956
Architectural StyleRanch
Exterior MaterialBrick
Construction TypeBrick
Roof TypeGable
Lot Area11,238 sqft (0.258 acres)
Lot Dimensions150 ft deep x 75 ft wide
TerrainRolling
Garage Area563 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area48 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address401 LORBERTA LN
CityWATERFORD
StateMI
Zip48328-2531
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionT3N, R9E, SEC 26 LORRAINE MANOR NO 2 LOT 156
Legal Range09E
Legal Township03N
Legal Section26
Legal SubdivisionLORRAINE MANOR NO 2
Legal Lot Number156
JurisdictionOAKLAND MI
Township / Civil DivisionWATERFORD
Census Block Group3
Census Block3005
Census Tract144701

Owner

Source: Oakland County records · APN W-13-26-276-008

Assessment roll updated January 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address401 LORBERTA LN, WATERFORD, MI 48328-2531
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 15, 2022Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Feb 26, 2019Deed of Trust, Mortgage · FHA Mortgage
RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 17, 2014 · Amount on Record
Deed SaleJan 17, 2014 · Amount on Record
Prior SaleAug 28, 2013 · Amount on Record
Deed Document Number20149873
Deed Book / Page46720 / 707
Prior Transfer DateJan 14, 2013
Prior Transfer Doc0000008960
Record UpdatedSep 20, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address401 LORBERTA LN, WATERFORD, MI 48328-2531
Transaction TypeMortgage
Record UpdatedSep 01, 2022
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address401 LORBERTA LN, WATERFORD, MI 48328-2531

Mortgage

Document Number0000414681
DateJul 15, 2022
Book Page57953/218
Instrument414681
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2052

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address401 LORBERTA LN, WATERFORD, MI 48328-2531
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyCISLO TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000026704
DateFeb 26, 2019
Book Page52604/00262
Instrument026704
Lender
NameRUOFF MORTGAGE COMPANY INC
TypeMortgage Company
AddressFORT WAYNE, IN 46804
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
County SubdivisionWaterford Charter Township
Unified School DistrictWaterford School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,288.00 (-54.07%) Homeowner's exemption$107,600 (+23.95%)$215,200 (+23.95%)
2024$2,804.00 (+17.08%)
2023$86,810$173,620
2021$2,395.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oakland County (26125C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261251447013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 420 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
T-Mobile USAFixed Wireless100 / 20

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

Mobile Coverage

5G and 4G LTE

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