430 E Peninsula Ct, Oxford, MI 48371 Property Records

Oakland County property record for 430 E Peninsula Ct, Oxford, MI 48371

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,500 sqft · built 1999
Lot Size	0.274 acres (11,935 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Aug 2013)
Tax Bill	$3,592 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P-04-21-426-009`

Property Details

APN / Parcel Number

Primary APN	`P-04-21-426-009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,500 sqft Living Area
1st Floor Area	1,269 sqft
Basement Area	1,269 sqft
Unfinished Basement	1,269 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	11,935 sqft (0.274 acres)
Lot Dimensions	130 ft deep x 91 ft wide
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	153 sqft
Deck Area	293 sqft
Patio Area	294 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	430 E PENINSULA CT
City	OXFORD
State	MI
Zip	48371-3668
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T5N, R10E, SEC 21 & 22 LAKES EDGE AT WATERSTONE LOT 9 2-24-00 FR 100-001 & 22-301-006
Legal Range	10E
Legal Township	05N
Legal Section	21
Legal Subdivision	LAKES EDGE AT WATERSTON
Legal Lot Number	2,9
Jurisdiction	OAKLAND MI
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1000
Census Tract	121400

Owner

430 E Peninsula Ct is owned and occupied by two individuals who bought it in August 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	430 E PENINSULA CT, OXFORD, MI 48371-3668
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
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 2, 2018	Deed of Trust, Mortgage · VA Mortgage LENDER SELECT MORTGAGE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2013 · Amount on File
Deed Sale	Aug 26, 2013 · Amount on File
Prior Sale	May 9, 2003 · Amount on File
Deed Document Number	2013220910
Deed Book / Page	46246 / 11
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Apr 1, 2026
Property Address	430 E PENINSULA CT, OXFORD, MI 48371-3668
Document Number	20260039104
Book / Page	61068 / 562
Instrument Date	Mar 20, 2026
Instrument	202639104
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 E PENINSULA CT, OXFORD, MI 48371-3668

Mortgage

Document Number	0000039104,
Date	Apr 1, 2026
Book Page	61068/562
Instrument	202639104

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 15, 2046

Interest

Rate	6.01%
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	430 E PENINSULA CT, OXFORD, MI 48371-3668
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017606
Date	Feb 2, 2018
Book Page	51528/00709
Instrument	017606

Lender

Name	LENDER SELECT MORTGAGE GROUP
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 430 E Peninsula Ct was $3,592 with a homeowner's exemption, down 37.3% 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
Unified School District	Oxford Area Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,592.00 (-37.32%) Homeowner's exemption	$204,200	$408,400
2024	$5,731.00
2023		$178,050	$356,100
2021	$4,924.00

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

Flood

FEMA maps place 430 E Peninsula Ct 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 430 E Peninsula Ct is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OXFORD TOWNSHIP serves 10,407 people · EPA ID MI0005138
Water Source	Groundwater
Lead	2 ppb (2022–2024) 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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Mercury Fiber.

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