403 Aqua Ct, Royal Oak, MI 48073 Property Records

Oakland County property record for 403 Aqua Ct, Royal Oak, MI 48073

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 966 sqft · built 1941
Lot Size	0.149 acres (6,490 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Nov 2020)
Tax Bill	$3,881 (2025)
Deeds & Mortgages	Nov 2017 Mortgage May 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`72-25-09-430-006`

Property Details

APN / Parcel Number

Primary APN	`72-25-09-430-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	966 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,490 sqft (0.149 acres)
Lot Dimensions	144 ft deep x 45 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	403 AQUA CT
City	ROYAL OAK
State	MI
Zip	48073-4077
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ONE FAM
Legal Description	T1N, R11E, SEC 9 AQUA PARK LOT 20
Legal Range	11E
Legal Township	01N
Legal Section	09
Legal Subdivision	AQUA PARK SUBDIVISION
Legal Lot Number	20
Jurisdiction	OAKLAND MI
Township / Civil Division	ROYAL OAK
Census Block Group	5
Census Block	5011
Census Tract	183700

Owner

403 Aqua Ct is owned and occupied by an individual who bought it in November 2020.

Source: Oakland County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	403 AQUA CT, ROYAL OAK, MI 48073-4077
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
Nov 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 18, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2020 · Amount on File
Deed Sale	Nov 18, 2020 · Amount on File
Prior Sale	Oct 30, 2014 · Amount on File
Deed Document Number	2020243118
Deed Book / Page	55194 / 632
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	403 AQUA CT, ROYAL OAK, MI 48073-4077
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COMPLETE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000216798
Date	Nov 28, 2017
Book Page	51324/00595
Instrument	216798

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	403 AQUA CT, ROYAL OAK, MI 48073-4077
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081782
Date	May 28, 2019
Book Page	52864/00339
Instrument	81782

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	403 AQUA CT, ROYAL OAK, MI 48073-4077
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000169510
Date	Oct 16, 2018
Book Page	52273/00221
Instrument	169510

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	403 AQUA CT, ROYAL OAK, MI 48073-4077
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042866
Date	Mar 3, 2020
Book Page	53897/302
Instrument	42866

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 18, 2020
Property Address	403 AQUA CT, ROYAL OAK, MI 48073-4077
Document Number	0000243118
Book / Page	55194 / 632
Map Reference	LB 19 PG 31
Instrument Date	Nov 9, 2020
Instrument	243118
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount on Record
Tax	$2,279.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	403 AQUA CT, 403, ROYAL OAK, MI 48073-4077

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 AQUA CT, ROYAL OAK, MI 48073-4077

Tax Assessment & Valuation

The 2025 property tax bill for 403 Aqua Ct was $3,881 with a homeowner's exemption, down 22.1% from the year before.

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,881.00 (-22.07%) Homeowner's exemption	$143,100	$286,200
2024	$4,980.00

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

Flood

FEMA maps place 403 Aqua Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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 Policies	2 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2023 · Severe Storms, Tornadoes, And Flooding

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

The area around 403 Aqua Ct has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 ROYAL OAK serves 57,236 people · EPA ID MI0005830
Water Source	Purchased surface water from SOUTHEASTERN OAKLAND CO W AUTH
Last State Inspection	May 2025
Lead	4 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 502 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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