40209 Oak Tree, Novi, MI 48375 Property Records

Oakland County property record for 40209 Oak Tree, Novi, MI 48375

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,890 sqft · built 1975
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Sep 2018)
Tax Bill	$4,921 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`50-22-25-251-010`

Property Details

APN / Parcel Number

Primary APN	`50-22-25-251-010`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,890 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40209 OAK TREE
City	NOVI
State	MI
Zip	48375-3638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	T1N, R8E, SEC 25 FAIRFIELD FARMS SUB LOT 70
Legal Range	08E
Legal Township	01N
Legal Section	25
Legal Subdivision	FAIRFIELD FARMS SUB
Legal Lot Number	70
Jurisdiction	OAKLAND MI
Township / Civil Division	NOVI
Census Block Group	2
Census Block	2009
Census Tract	136500

Owner

40209 Oak Tree is owned and occupied by two individuals who acquired it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	40209 OAK TREE, NOVI, MI 48375-3638
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
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Aug 9, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 28, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS
Sep 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 24, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2018 · Amount on File
Deed Sale	Sep 24, 2018 · Amount on File
Prior Sale	Sep 29, 1998 · Amount on File
Deed Document Number	2018156530
Deed Book / Page	52208 / 53
Last Transfer Date	Oct 28, 2019
Transfer Doc	0000178412
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	40209 OAK TREE, NOVI, MI 48375-3638
Transaction Type	Mortgage
Record Updated	Feb 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40209 OAK TREE, NOVI, MI 48375-3638
Investor	Possibly a Property Investor

Mortgage

Document Number	0000117169
Date	May 3, 2021
Book Page	56175/459
Instrument	117169

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Mar 1, 2036

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	40209 OAK TREE, NOVI, MI 48375-3638
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40209 OAK TREE, NOVI, MI 48375-3638
Investor	Possibly a Property Investor

Mortgage

Document Number	0000427190
Date	Aug 9, 2022
Book Page	58021/301
Instrument	427190

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 28, 2019
Property Address	40209 OAK TREE, NOVI, MI 48375-3638
Document Number	0000178412
Book / Page	053425 / 000882
Instrument Date	Oct 28, 2019
Instrument	178412
Transaction Type	Transfer
Record Updated	Nov 29, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40209 OAK TREE NOVI MI 483753638, NOVI, MI 48375-3638

Mortgage

Document Number	153917
Date	Oct 28, 2019
Book Page	053273/000084
Instrument	153917

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	40209 OAK TREE, NOVI, MI 48375-3638
Document Number	0000153917
Instrument Date	Sep 14, 2019
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40209 OAK TREE NOVI MI 483753638, NOVI, MI 48375-3638

Mortgage

Document Number	0000153917
Date	Sep 19, 2019
Book Page	053273/000084
Instrument	153917

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 18, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 24, 2018
Property Address	40209 OAK TREE, NOVI, MI 48375-3638
Document Number	0000156530
Book / Page	52208 / 00053
Map Reference	LB 139 PG 26-30
Instrument Date	Sep 18, 2018
Instrument	156530
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,193.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1474 BENVENUE ST, 1474, SYLVAN LAKE, MI 48320-1714

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40209 OAK TREE, NOVI, MI 48375-3638
Investor	Possibly a Property Investor

Mortgage

Document Number	0000156531
Date	Sep 24, 2018
Instrument	156531

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 40209 Oak Tree was $4,921 with a homeowner's exemption.

Source: Oakland County assessment roll, as of February 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Novi City
Unified School District	Novi Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,921.00
2023	$5,569.00 (+7.59%) Homeowner's exemption	$176,210	$352,420
2022	$5,176.00

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

Flood

FEMA maps place 40209 Oak Tree in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2000)
Most Recent Claim	Jun 2000 · rainfall accumulation

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.

Wildfire

Wildfire risk around 40209 Oak Tree 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 99.1% of the US · lower than 98.4% 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	CITY OF NOVI serves 56,780 people · EPA ID MI0004870
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Oct 2025
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 396 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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