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

Oakland County property record for 432 Oak Arbor Cir E, Rochester, MI 48306

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 3,141 sqft · built 2017
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Oct 2016)
Tax Bill	$5,557 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`N-10-27-458-005`

Property Details

APN / Parcel Number

Primary APN	`N-10-27-458-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,141 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Brick
Lot Area	16,117 sqft (0.37 acres)
Terrain	Rolling
Garage Area	827 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	67 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	432 OAK ARBOR CIR E
City	ROCHESTER
State	MI
Zip	48306-1773
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T4N, R11E, SEC 27 OAKLAND COUNTY CONDOMINIUM PLAN NO 2124 OAK ARBOR CREST UNIT 5 L 48552 P 60 8-31-15 FR 452-020
Legal Range	11E
Legal Township	04N
Legal Section	27
Legal Subdivision	OAKLAND COUNTY CONDOMINIUM
Legal Unit	5
Jurisdiction	OAKLAND MI
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2003
Census Tract	190500

Owner

432 Oak Arbor Cir E, a condominium, is owned and occupied by two individuals who bought it in October 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	432 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773
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
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE ANDERSON FINANCIAL GROUP INC
Feb 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Nov 30, 2017	Loan Modification, Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2016 · Amount on File
Deed Sale	Oct 28, 2016 · Amount on File
Deed Document Number	2016207418
Deed Book / Page	50004 / 198
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	432 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773
Transaction Type	Mortgage
Record Updated	Jan 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773

Mortgage

Document Number	0000004278
Date	Jan 11, 2023
Book Page	58368/509
Instrument	4278

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	432 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	EMBASSY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773

Mortgage

Document Number	0000068413
Date	Mar 17, 2021
Book Page	55890/664
Instrument	68413

Lender

Name	THE ANDERSON FINANCIAL GROUP INC
Type	Mortgage Company
Address	CHICAGO, IL 60614

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	432 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773
Document Number	0000043012
Instrument Date	Feb 26, 2020
Transaction Type	Mortgage
Record Updated	Apr 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	432 OAK ARBOR CIR E OAKLAND TOWNSHIP MI 483061773, OAKLAND TOWNSHIP, MI 48306-1773

Mortgage

Document Number	0000043012
Date	Mar 3, 2020
Book Page	053898/000648
Instrument	43012

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 2, 2040

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OAKLAND MI
Property Address	432 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773
Document Number	0000006913
Book / Page	051470 / 000159
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Jan 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 OAK ARBOR CIR E OAKLAND TOWNSHIP MI 48306, OAKLAND TOWNSHIP, MI 48306

Mortgage

Document Number	0000006913
Date	Jan 12, 2018
Book Page	051470/000159
Instrument	6913

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 432 Oak Arbor Cir E was $5,557 with a homeowner's exemption, down 33% 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	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	$5,557.00 (-33.02%) Homeowner's exemption	$430,070	$860,140
2024	$8,296.00
2023		$358,780	$717,560
2021	$7,181.00

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

Flood

FEMA maps place 432 Oak Arbor Cir E in Zone X, an area of minimal flood risk.

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

Wildfire risk around 432 Oak Arbor Cir E 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	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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