435 E Peninsula Ct, Oxford, MI 48371 Property Records

Oakland County property record for 435 E Peninsula Ct, Oxford, MI 48371

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,294 sqft · built 2003
Lot Size	0.414 acres (18,034 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,900 (Dec 2018)
Tax Bill	$5,276 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Nov 2016 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`P-04-21-427-001`

Property Details

APN / Parcel Number

Primary APN	`P-04-21-427-001`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,294 sqft Living Area
1st Floor Area	1,816 sqft
Basement Area	1,779 sqft
Unfinished Basement	1,779 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Lot Area	18,034 sqft (0.414 acres)
Lot Dimensions	210 ft deep x 85 ft wide
Terrain	Rolling
View / Lot	Waterfront
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	237 sqft
Deck Area	546 sqft
Patio Area	546 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	435 E PENINSULA CT
City	OXFORD
State	MI
Zip	48371-3668
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	T5N, R10E, SEC 21 & 22 LAKES EDGE AT WATERSTONE LOT 13 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	2,13
Jurisdiction	OAKLAND MI
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1000
Census Tract	121400

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	435 E PENINSULA CT, OXFORD, MI 48371-3668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · Line of Credit MICHIGAN SCHOOLS & GOVERNMENT CU
Nov 23, 2016	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2018 · Amount on Record
Deed Sale	Dec 7, 2018 · Amount on Record
Prior Sale	Jul 6, 2016 · Amount on Record
Deed Document Number	2018197237
Deed Book / Page	52418 / 521
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	435 E PENINSULA CT, OXFORD, MI 48371-3668
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 E PENINSULA CT, OXFORD, MI 48371-3668

Mortgage

Document Number	0000222891
Date	Sep 16, 2021
Book Page	56860/656
Instrument	222891

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	435 E PENINSULA CT, OXFORD, MI 48371-3668
Document Number	0000168026
Instrument Date	Nov 23, 2016
Transaction Type	Mortgage
Record Updated	Nov 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	435 E PENINSULA CT OXFORD MI 483713668, OXFORD, MI 48371-3668

Mortgage

Document Number	0000168026
Date	Oct 10, 2019
Book Page	053361/000099
Instrument	168026

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	324 Months
Due	Oct 9, 2046

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$5,276.00 (-37.35%) Homeowner's exemption	$253,100 (+14.83%)	$506,200 (+14.83%)
2024	$8,422.00 (+16.39%)
2023		$220,410	$440,820
2021	$7,236.00

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

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

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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