417 Annapolis St, Commerce Township, MI 48382 Property Records

Oakland County property record for 417 Annapolis St, Commerce Township, MI 48382

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,236 sqft · built 1950
Lot Size	0.186 acres (8,102 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Mar 2021)
Tax Bill	$4,207 (2025)
Deeds & Mortgages	May 2021 Mortgage Nov 2020 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`E-17-02-176-003`

Property Details

APN / Parcel Number

Primary APN	`E-17-02-176-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	1,236 sqft
Unfinished Basement	1,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	8,102 sqft (0.186 acres)
Lot Dimensions	118 ft deep x 65 ft wide

Exterior Amenities

Porch	Slab
Porch Area	160 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	417 ANNAPOLIS ST
City	COMMERCE TOWNSHIP
State	MI
Zip	48382-3007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T2N, R8E, SEC 2 CARROLL LAKE HEIGHTS SUB LOTS 7 & 8 BLK 12
Legal Range	08E
Legal Township	02N
Legal Section	02
Legal Subdivision	CARROLL LAKE HEIGHTS SUB
Legal Block	12
Legal Lot Number	7-8
Jurisdiction	OAKLAND MI
Township / Civil Division	COMMERCE
Census Block Group	4
Census Block	4000
Census Tract	134000

Owner

417 Annapolis St is owned by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1227 DEER RUN, GRASS LAKE, MI 49240-9379
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
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROSS MORTGAGE CORP
Mar 30, 2021	Warranty Deed, Transfer
Dec 18, 2020	Intrafamily Transfer, Transfer
Dec 8, 2017	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 10, 2017	Quit Claim Deed, Foreclosure ATTORNEY ONLY
Oct 10, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2021 · Amount on File
Deed Sale	Mar 30, 2021 · Amount on File
Prior Sale	Dec 8, 2017 · Amount on File
Deed Document Number	202180932
Deed Book / Page	55975 / 424
Prior Transfer Date	Sep 27, 2017
Prior Transfer Doc	0000187416
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	417 ANNAPOLIS ST, COMMERCE TOWNSHIP, MI 48382-3007
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1227 DEER RUN, GRASS LAKE, MI 49240-9379

Mortgage

Document Number	0000139892
Date	May 28, 2021
Book Page	56310/564
Instrument	139892

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	417 ANNAPOLIS ST, COMMERCE TOWNSHIP, MI 48382-3007
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5030 VIRGIE LN, WEST BLOOMFIELD, MI 48324-2256

Mortgage

Document Number	0000251390
Date	Nov 30, 2020
Book Page	55249/632
Instrument	251390

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 30, 2021
Property Address	417 ANNAPOLIS ST, COMMERCE TOWNSHIP, MI 48382-3007
Document Number	0000080932
Book / Page	55975 / 424
Map Reference	LB 28 PG 8
Instrument Date	Mar 19, 2021
Instrument	80932
Transaction Type	Transfer
Record Updated	Sep 22, 2023

Transaction

Amount	Amount on Record
Tax	$1,763.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5030 VIRGIE LN, WEST BLOOMFIELD, MI 48324-2256

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 ANNAPOLIS ST, COMMERCE TOWNSHIP, MI 48382-3007

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Dec 18, 2020
Property Address	417 ANNAPOLIS ST, COMMERCE TOWNSHIP, MI 48382-3007
Document Number	0000269076
Book / Page	55358 / 481
Map Reference	LB 28 PG 8
Instrument Date	Aug 24, 2020
Instrument	269076
Transaction Type	Transfer
Record Updated	Oct 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5030 VIRGIE LN, WEST BLOOMFIELD, MI 48324-2256
Investor	Possibly a Property Investor

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 8, 2017
Property Address	417 ANNAPOLIS ST, COMMERCE TOWNSHIP, MI 48382-3007
Document Number	0000224803
Book / Page	51369 / 00349
Map Reference	LB 28 PG 9
Instrument Date	Dec 1, 2017
Instrument	224803
Transaction Type	Transfer
Record Updated	Oct 18, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,186.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5030 VIRGIE LN, WEST BLOOMFIELD, MI 48324-2256

Mortgage

Document Number	0000224804
Date	Dec 8, 2017
Instrument	224804

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

October 2017: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 10, 2017
Property Address	417 ANNAPOLIS ST, COMMERCE TOWNSHIP, MI 48382-3007
Document Number	0000187416
Book / Page	051159 / 000534
Instrument Date	Sep 27, 2017
Instrument	187416
Transaction Type	Foreclosure
Record Updated	Oct 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	417 ANNAPOLIS ST COMMERCE TOWNSHIP MI 483823007, COMMERCE TOWNSHIP, MI 48382-3007

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 10, 2017
Property Address	417 ANNAPOLIS ST, COMMERCE TOWNSHIP, MI 48382-3007
Document Number	0000187414
Book / Page	051159 / 000532
Instrument Date	Jul 10, 2017
Instrument	187414
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	616 44TH ST SE GRAND RAPIDS MI 495487576, GRAND RAPIDS, MI 49548-7576

Tax Assessment & Valuation

The 2025 property tax bill for 417 Annapolis St was $4,207, down 25.8% from the year before.

Source: Oakland County assessment roll, as of February 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Commerce Charter Township
Unified School District	Walled Lake Consolidated Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,207.00 (-25.75%)	$113,440	$226,880
2024	$5,666.00
2023		$114,250	$228,500
2021	$4,178.00

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

Flood

FEMA maps place 417 Annapolis St in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2000 · Severe Storms 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

Wildfire risk around 417 Annapolis St 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 99.1% of the US · lower than 98.4% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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