405 Lakes Edge Dr, Oxford, MI 48371 Property Records

Oakland County property record for 405 Lakes Edge Dr, Oxford, MI 48371

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,235 sqft · built 1979
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,020 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PO-04-26-402-013`

Property Details

APN / Parcel Number

Primary APN	`PO-04-26-402-013`
Alternative APN	`0426402013`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,235 sqft Living Area
1st Floor Area	1,174 sqft
Basement Area	1,055 sqft
Unfinished Basement	1,055 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Colonial
Exterior Material	Wood
Roof Type	Gable
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	190 ft deep x 144 ft wide
View / Lot	Waterfront
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1,196 sqft
Porch	Slab
Porch Area	78 sqft
Deck Area	488 sqft
Patio Area	516 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 LAKES EDGE DR
City	OXFORD
State	MI
Zip	48371-5226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	T5N, R10E, SEC 26 OXFORD LAKES SUB NO 1 LOT 16
Legal Range	10E
Legal Township	05N
Legal Section	26
Legal Subdivision	OXFORD LAKES SUB
Legal Lot Number	16
Jurisdiction	OAKLAND MI
Township / Civil Division	OXFORD
Census Block Group	2
Census Block	2000
Census Tract	121500

Owner

405 Lakes Edge Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 LAKES EDGE DR, OXFORD, MI 48371-5226
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
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	405 LAKES EDGE DR, OXFORD, MI 48371-5226
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 LAKES EDGE DR, OXFORD, MI 48371-5226

Mortgage

Document Number	0000302183
Date	Jan 24, 2022
Book Page	57341/271
Instrument	302183

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	405 LAKES EDGE DR, OXFORD, MI 48371-5226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 LAKES EDGE DR, OXFORD, MI 48371-5226

Mortgage

Document Number	0000193080
Date	Sep 23, 2020
Book Page	54870/107
Instrument	193080

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 10, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	405 LAKES EDGE DR, OXFORD, MI 48371-5226
Document Number	0000041133
Instrument Date	Mar 19, 2019
Transaction Type	Mortgage
Record Updated	Apr 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 LAKES EDGE DR OXFORD MI 483715226, OXFORD, MI 48371-5226

Mortgage

Document Number	0000041133
Date	Mar 27, 2019
Book Page	052681/000625
Instrument	41133

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 405 Lakes Edge Dr was $5,020 with a homeowner's exemption, up 4.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Oxford Charter Township
Municipality	Oxford Village
Unified School District	Oxford Area Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,020.00 (+4.39%) Homeowner's exemption	$252,830	$505,660
2024	$4,809.00
2023		$207,490	$414,980
2021	$4,113.00

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

Flood

FEMA maps place 405 Lakes Edge Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 405 Lakes Edge Dr 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 94% of the US · lower than 87% 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	VILLAGE OF OXFORD serves 3,540 people · EPA ID MI0005130
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 ppb (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	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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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