431 Oak Arbor Cir E, Rochester, MI 48306 Property Records

Oakland County property record for 431 Oak Arbor Cir E, Rochester, MI 48306

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 2,801 sqft · built 2012
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$309,706 (Aug 2012)
Tax Bill	$3,228 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`N-10-27-455-001`

Property Details

APN / Parcel Number

Primary APN	`N-10-27-455-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,801 sqft Living Area
1st Floor Area	1,612 sqft
Basement Area	1,355 sqft
Unfinished Basement	1,355 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Lot Area	16,117 sqft (0.37 acres)
Terrain	Rolling
Garage Area	477 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	47 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	431 OAK ARBOR CIR E
City	ROCHESTER
State	MI
Zip	48306-1775
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T4N, R11E, SEC 27 OAKLAND COUNTY CONDOMINIUM PLAN NO 2006 OAK ARBOR RIDGE UNIT 1 L 42916 P 201 3-23-11 FR 10-27-452-014
Legal Range	11E
Legal Township	04N
Legal Section	27
Legal Subdivision	OAKLAND COUNTY CONDOMINIUM
Legal Unit	1
Jurisdiction	OAKLAND MI
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2006
Census Tract	190500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	431 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2012 · Amount on Record
Deed Sale	Aug 10, 2012 · Amount on Record
Prior Sale	Aug 23, 2011 · Amount on Record
Deed Document Number	2012172279
Deed Book / Page	44531 / 324
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	431 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775

Mortgage

Document Number	0000137030
Date	Dec 19, 2023
Book Page	59072/631
Instrument	137030

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	431 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775

Mortgage

Document Number	0000137030
Date	Dec 20, 2023
Book Page	59072/631
Instrument	137030

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	431 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775

Mortgage

Document Number	0000066184
Date	Mar 15, 2021
Book Page	55875/667
Instrument	66184

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	431 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775
Document Number	0000148293
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	431 OAK ARBOR CIR E ROCHESTER MI 483061775, ROCHESTER, MI 48306-1775

Mortgage

Document Number	0000148293
Date	Sep 11, 2019
Book Page	053239/000432
Instrument	148293

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Oakland Charter Township
Unified School District	Rochester Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,228.00 (-33.02%) Homeowner's exemption	$302,350 (+19.82%)	$604,700 (+19.82%)
2024	$4,819.00 (+15.54%)
2023		$252,340	$504,680
2021	$4,171.00

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

Flood

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

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

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	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	SOUTHEAST OAKLAND TOWNSHIP serves 1,923 people · EPA ID MI0004877
Water Source	Groundwater
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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