Oakland County property record for 407 Normandy Rd, Royal Oak, MI 48073
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 924 sqft · built 1952 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $292,000 (Oct 2023) |
| Tax Bill | $3,525 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Oct 2023 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 72-25-04-402-019 |
| Primary APN | 72-25-04-402-019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 924 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Basement Area | 924 sqft |
| Finished Basement | 923 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,229 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 35 sqft |
| Deck Area | 21 sqft |
| Patio Area | 221 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 407 NORMANDY RD |
|---|---|
| City | ROYAL OAK |
| State | MI |
| Zip | 48073-2513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ONE FAM |
| Legal Description | T1N, R11E, SEC 4 HARRY SLATKIN'S CITY PARK SUB LOT 86 |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 04 |
| Legal Subdivision | CITY PARK SUB |
| Legal Lot Number | 86 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | ROYAL OAK |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 183200 |
407 Normandy Rd is owned and occupied by two individuals who bought it in October 2023.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 407 NORMANDY RD, ROYAL OAK, MI 48073-2513 |
| 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.
| Date | Document |
|---|---|
| Apr 23, 2026 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Oct 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Apr 18, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Feb 5, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Apr 13, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Aug 16, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Dec 21, 2018 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 20, 2023 · Amount on File |
| Deed Sale | Oct 20, 2023 · Amount on File |
| Prior Sale | Dec 21, 2018 · Amount on File |
| Deed Document Number | 2023115163 |
| Deed Book / Page | 58953 / 731 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 23, 2026 |
| Property Address | 407 NORMANDY RD, ROYAL OAK, MI 48073-2513 |
| Document Number | 0000054341 |
| Book / Page | 61134 / 444 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 202654341 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ACCOMMODATION/COURTESY RECOR |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 407 NORMANDY RD, ROYAL OAK, MI 48073-2513 |
| Document Number | 0000054341, |
|---|---|
| Date | Apr 23, 2026 |
| Book Page | 61134/444 |
| Instrument | 202654341 |
| Name | LENDAGE LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 1, 2036 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Oct 20, 2023 |
| Property Address | 407 NORMANDY RD, ROYAL OAK, MI 48073-2513 |
| Document Number | 0000115163 |
| Book / Page | 58953 / 731 |
| Map Reference | LB 61 PG 25 |
| Instrument Date | Oct 11, 2023 |
| Instrument | 115163 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 407 NORMANDY RD, ROYAL OAK, MI 48073-2513 |
| Name | Verified Name |
|---|---|
| Address | 407 NORMANDY RD, ROYAL OAK, MI 48073-2513 |
| Document Number | 0000116129 |
|---|---|
| Date | Oct 24, 2023 |
| Book Page | 58959/401 |
| Instrument | 116129 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 407 NORMANDY RD, ROYAL OAK, MI 48073-2513 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 407 NORMANDY RD, TROY, MI 48007 |
| Document Number | 0000043312 |
|---|---|
| Date | Apr 18, 2023 |
| Book Page | 58550/600 |
| Instrument | 43312 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 407 NORMANDY RD, ROYAL OAK, MI 48073-2513 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Name | Verified Name |
|---|---|
| Address | 407 NORMANDY RD, ROYAL OAK, MI 48073-2513 |
| Document Number | 0000032417 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 55646/713 |
| Instrument | 32417 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 407 NORMANDY RD, ROYAL OAK, MI 48073-2513 |
| Document Number | 0000094046 |
| Instrument Date | Apr 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 407 NORMANDY RD ROYAL OAK MI 480732513, ROYAL OAK, MI 48073-2513 |
| Document Number | 0000094046 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 054209/000801 |
| Instrument | 94046 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 12, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 407 NORMANDY RD, ROYAL OAK, MI 48073-2513 |
| Document Number | 0000135710 |
| Instrument Date | Aug 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 407 NORMANDY RD ROYAL OAK MI 480732513, ROYAL OAK, MI 48073-2513 |
| Document Number | 0000135710 |
|---|---|
| Date | Aug 22, 2019 |
| Book Page | 053164/000465 |
| Instrument | 135710 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 21, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Dec 21, 2018 |
| Property Address | 407 NORMANDY RD, ROYAL OAK, MI 48073-2513 |
| Document Number | 0000204807 |
| Book / Page | 052455 / 000585 |
| Instrument Date | Dec 18, 2018 |
| Instrument | 204807 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,591.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 407 NORMANDY RD ROYAL OAK MI 480732513, ROYAL OAK, MI 48073-2513 |
| Document Number | 204176 |
|---|---|
| Date | Dec 21, 2018 |
| Book Page | 052452/000725 |
| Instrument | 204176 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2048 |
The 2025 property tax bill for 407 Normandy Rd was $3,525 with a homeowner's exemption, down 22.1% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Royal Oak City |
| Unified School District | Royal Oak City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,525.00 (-22.07%) Homeowner's exemption | $128,030 | $256,060 |
| 2024 | $4,523.00 | ||
| 2022 | $3,498.00 | ||
| 2018 | $80,560 | $161,120 |
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.
FEMA maps place 407 Normandy Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 | 1 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2020 · other causes |
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.
The area around 407 Normandy Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 545 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 123.NET Fiber | 6,000 / 6,000 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| 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 |
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