404 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 404 E Commerce St, Milford, MI 48381

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,177 sqft · built 1906
Lot Size	0.304 acres (13,242 sqft)
Owner	Company Name on Record
Last Sale	$185,000 (Mar 2010)
Tax Bill	$6,082 (2025)
Deeds & Mortgages	Dec 2025 Transfer Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LM-16-11-154-001`

Property Details

APN / Parcel Number

Primary APN	`LM-16-11-154-001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,177 sqft Living Area
1st Floor Area	1,413 sqft
Basement Area	1,096 sqft
Unfinished Basement	1,096 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gambrel
Lot Area	13,242 sqft (0.304 acres)
Lot Dimensions	77 ft deep x 114 ft wide
Terrain	Rolling
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	222 sqft
Deck Area	181 sqft
Patio Area	181 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	404 E COMMERCE ST
City	MILFORD
State	MI
Zip	48381-1718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T2N, R7E, SEC 10 & 11 PHELPS' ADD. N 49.5 FT OF W 114.5 FT OF LOT 10 ALSO W 114.5 FT OF LOT 11 BLK 10
Legal Range	07E
Legal Township	02N
Legal Section	10
Legal Subdivision	PHELPS' ADD
Legal Block	10
Legal Lot Number	10-11
Jurisdiction	OAKLAND MI
Township / Civil Division	MILFORD
Census Block Group	1
Census Block	1005
Census Tract	132500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North Milford Village Historic District listed 2000 · 266 contributing resources · NRIS 00000391

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	1601 HIDDEN VALLEY DR, MILFORD, MI 48380-3330
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Intrafamily Transfer, Transfer
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jun 13, 2019	Deed of Trust, Mortgage · Line of Credit COMMUNITY CHOICE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2010 · Amount on Record
Deed Sale	Mar 31, 2010 · Amount on Record
Prior Sale	Jul 1, 2004 · Amount on Record
Deed Document Number	201051591
Deed Book / Page	41943 / 364
Last Transfer Date	Oct 20, 2025
Transfer Doc	20250149065
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Dec 1, 2025
Property Address	404 E COMMERCE ST, MILFORD, MI 48381-1718
Document Number	20250149065
Book / Page	60735 / 524
Map Reference	LB 2 PG 22
Instrument Date	Oct 20, 2025
Instrument	20250149065
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1601 HIDDEN VALLEY DR, MILFORD, MI 48380-3330

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 HIDDEN VALLEY DR, MILFORD, MI 48380-3330

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	404 E COMMERCE ST, MILFORD, MI 48381-1718
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 E COMMERCE ST, MILFORD, MI 48381-1718

Mortgage

Document Number	0000227590
Date	Nov 2, 2020
Book Page	55094/800
Instrument	227590

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	404 E COMMERCE ST, MILFORD, MI 48381-1718
Document Number	0000097486
Instrument Date	Jun 13, 2019
Transaction Type	Mortgage
Record Updated	Jul 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 E COMMERCE ST MILFORD MI 483811718, MILFORD, MI 48381-1718

Mortgage

Document Number	0000097486
Date	Jun 18, 2019
Book Page	052941/000037
Instrument	97486

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	324 Months
Due	Jun 17, 2046

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Milford Charter Township
Municipality	Milford Village
Unified School District	Huron Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,082.00 (-6.33%)	$187,700 (+4.45%)	$375,400 (+4.45%)
2024	$6,493.00 (+5.3%)	$179,710 (+0.32%)	$359,420 (+0.32%)
2023	$6,166.00 (+80.4%)	$179,130	$358,260
2021	$3,418.00

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

Flood

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

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

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	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	VILLAGE OF MILFORD serves 6,366 people · EPA ID MI0004390
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
123.NET Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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