405 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 405 E Commerce St, Milford, MI 48381

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,193 sqft · built 1851
Lot Size	0.379 acres (16,509 sqft)
Owner	2 Individual Names on File
Last Sale	$339,000 (Jul 2010)
Tax Bill	$5,922 (2025)
Deeds & Mortgages	Jun 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LM-16-11-126-010`

Property Details

APN / Parcel Number

Primary APN	`LM-16-11-126-010`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,193 sqft Living Area
1st Floor Area	1,146 sqft
Basement Area	1,146 sqft
Unfinished Basement	1,146 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1851
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	16,509 sqft (0.379 acres)
Lot Dimensions	110 ft deep x 100 ft wide
Garage Area	608 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	265 sqft
Deck Area	278 sqft
Patio Area	278 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 E COMMERCE ST
City	MILFORD
State	MI
Zip	48381-1719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T2N, R7E, SEC 10 & 11 PHELPS' ADD. W 100 FT OF LOTS 1 & 2 ALSO S 1/2 OF W 100 FT OF LOT 3 BLK 16
Legal Range	07E
Legal Township	02N
Legal Section	10
Legal Subdivision	PHELPS' ADD
Legal Block	16
Legal Lot Number	1-3
Jurisdiction	OAKLAND MI
Township / Civil Division	MILFORD
Census Block Group	3
Census Block	3008
Census Tract	132500

Owner

Source: Oakland County records · APN LM-16-11-126-010

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

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

Owner of Record	2 Individual Names on File
Mailing Address	405 E COMMERCE ST, MILFORD, MI 48381-1719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 23, 2010 · Amount on Record
Deed Sale	Jul 23, 2010 · Amount on Record
Prior Sale	Mar 29, 2001 · Amount on Record
Deed Document Number	2010133172
Deed Book / Page	42233 / 291
Last Transfer Date	Apr 30, 2016
Transfer Doc	0000086962
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	405 E COMMERCE ST, MILFORD, MI 48381-1719
Transaction Type	Mortgage
Record Updated	Jul 05, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E COMMERCE ST, MILFORD, MI 48381-1719

Mortgage

Document Number	0000066665
Date	Jun 21, 2023
Book Page	58680/180
Instrument	66665

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,922.00 (-10.45%) Homeowner's exemption	$271,850 (+3.26%)	$543,700 (+3.26%)
2024	$6,613.00 (+24.66%)
2023		$263,270	$526,540
2021	$5,305.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 8, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 386 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VILLAGE OF MILFORD serves 6,366 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.