40435 Oak Tree, Novi, MI 48375 Property Records

Oakland County property record for 40435 Oak Tree, Novi, MI 48375

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,734 sqft · built 1975
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$418,500 (Aug 2026)
Tax Bill	$3,208 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`50-22-25-251-001`

Property Details

APN / Parcel Number

Primary APN	`50-22-25-251-001`

Interior

Full Baths	2 Baths
Building Area	1,734 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Bi-Level
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	121 ft deep x 129 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	40435 OAK TREE
City	NOVI
State	MI
Zip	48375-3642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	T1N, R8E, SEC 25 FAIRFIELD FARMS SUB LOT 79
Legal Range	08E
Legal Township	01N
Legal Section	25
Legal Subdivision	FAIRFIELD FARMS SUB
Legal Lot Number	79
Jurisdiction	OAKLAND MI
Township / Civil Division	NOVI
Census Block Group	2
Census Block	2009
Census Tract	136500

Owner

40435 Oak Tree is owned and occupied by an individual who bought it in August 2026.

Source: Oakland County records, as of August 13, 2026

Owner of Record	Individual Name on File
Mailing Address	28530 CARLTON WAY DR, NOVI, MI 48377-2637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Jul 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Aug 5, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 5, 2026	Warranty Deed, Transfer TITLE ONE
Jul 28, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Jun 12, 2017	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2026 · Amount on File
Deed Sale	Aug 5, 2026 · Amount on File
Prior Sale	Sep 7, 2012 · Amount on File
Deed Document Number	2026116853
Deed Book / Page	61432 / 558
Prior Transfer Date	Jun 30, 2026
Prior Transfer Doc	0000116852
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Jul 9, 2026
Property Address	40435 OAK TREE, NOVI, MI 48375-3642
Document Number	0000098383
Book / Page	61349 / 839
Instrument Date	Jun 30, 2026
Instrument	202698383
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28530 CARLTON WAY DR, NOVI, MI 48377-2637

Mortgage

Document Number	0000098383,
Date	Jul 9, 2026
Book Page	61349/839
Instrument	202698383

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 5, 2026
Property Address	40435 OAK TREE, NOVI, MI 48375-3642
Document Number	0000116852
Book / Page	61432 / 556
Instrument Date	Jun 30, 2026
Instrument	2026116852
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40435 OAK TREE, NOVI, MI 48375-3642

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 5, 2026
Property Address	40435 OAK TREE, NOVI, MI 48375-3642
Document Number	0000116853
Book / Page	61432 / 558
Instrument Date	Jun 30, 2026
Instrument	2026116853
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	TITLE ONE

Transaction

Amount	Amount on Record
Tax	$317,013.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28530 CARLTON WAY DR, NOVI, MI 48377-2637

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	40435 OAK TREE, NOVI, MI 48375-3642
Transaction Type	Mortgage
Record Updated	Sep 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40435 OAK TREE, NOVI, MI 48375-3642

Mortgage

Document Number	0000421478
Date	Jul 28, 2022
Book Page	57990/708
Instrument	421478

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	40435 OAK TREE, NOVI, MI 48375-3642
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000113898
Date	Jun 12, 2017
Book Page	50759/00229
Instrument	113898

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 40435 Oak Tree was $3,208 with a homeowner's exemption.

Source: Oakland County assessment roll, as of January 21, 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	$3,208.00
2023	$3,650.00 (+9.02%) Homeowner's exemption	$157,610	$315,220
2022	$3,348.00

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.

Flood

FEMA maps place 40435 Oak Tree in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

The area around 40435 Oak Tree 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 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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