409 Walnut Ave, Royal Oak, MI 48073 Property Records

Oakland County property record for 409 Walnut Ave, Royal Oak, MI 48073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,257 sqft · built 1950
Lot Size	0.109 acres (4,748 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,411 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`72-25-09-479-004`

Property Details

APN / Parcel Number

Primary APN	`72-25-09-479-004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,257 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,748 sqft (0.109 acres)
Lot Dimensions	107 ft deep x 44 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	45 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 WALNUT AVE
City	ROYAL OAK
State	MI
Zip	48073-5310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ONE FAM
Legal Description	T1N, R11E, SEC 9 SUNNYBROOK SUB W 9 FT OF LOT 15 & E 35 FT OF LOT 16
Legal Range	11E
Legal Township	01N
Legal Section	09
Legal Subdivision	9 SUNNYBROOK SUB
Legal Lot Number	15-16
Jurisdiction	OAKLAND MI
Township / Civil Division	ROYAL OAK
Census Block Group	5
Census Block	5020
Census Tract	183700

Owner

409 Walnut Ave is owned and occupied by two individuals who acquired it in September 1998.

Source: Oakland County records, as of July 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	409 WALNUT AVE, ROYAL OAK, MI 48073-5310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Oct 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 30, 1998
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	409 WALNUT AVE, ROYAL OAK, MI 48073-5310
Transaction Type	Mortgage
Record Updated	Feb 15, 2022
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 WALNUT AVE, ROYAL OAK, MI 48073-5310

Mortgage

Document Number	0000272057
Date	Dec 10, 2021
Book Page	57165/109
Instrument	272057

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	409 WALNUT AVE, ROYAL OAK, MI 48073-5310
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000168245
Date	Oct 12, 2018
Book Page	52267/00001
Instrument	168245

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 409 Walnut Ave was $2,411 with a homeowner's exemption, down 22.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Royal Oak City
Unified School District	Royal Oak City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,411.00 (-22.07%) Homeowner's exemption	$134,950	$269,900
2024	$3,094.00

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

Flood

FEMA maps place 409 Walnut Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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	2 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2023 · Severe Storms, Tornadoes, And Flooding

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 409 Walnut Ave 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 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 502 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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

May also be available: AT&T.

Nearby Properties on Walnut Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures