4354 Ramsgate Ln, Bloomfield Hills, MI 48302 Property Records

Oakland County property record for 4354 Ramsgate Ln, Bloomfield Hills, MI 48302

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,447 sqft · built 1976
Lot Size	0.451 acres (19,646 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Mar 2013)
Tax Bill	$5,106 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`X-18-13-453-013`

Property Details

APN / Parcel Number

Primary APN	`X-18-13-453-013`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,447 sqft Living Area
1st Floor Area	1,921 sqft
Basement Area	1,792 sqft
Finished Basement	1,792 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Lot Area	19,646 sqft (0.451 acres)
Lot Dimensions	190 ft deep x 103 ft wide
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	59 sqft
Deck Area	725 sqft
Patio Area	725 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4354 RAMSGATE LN
City	BLOOMFIELD HILLS
State	MI
Zip	48302-1638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T2N, R9E, SEC 13 AMENDED PLAT OF LOTS 24-35 INCL & 41-46 INCLWABEEK TWO LOT 41
Legal Range	09E
Legal Township	02N
Legal Section	13
Legal Subdivision	WABEEK TWO
Legal Lot Number	24,41
Jurisdiction	OAKLAND MI
Township / Civil Division	WEST BLOOMFIELD
Census Block Group	1
Census Block	1006
Census Tract	156300

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	4354 RAMSGATE LN, BLOOMFIELD HILLS, MI 48302-1638
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK
Aug 21, 2017	Warranty Deed, Transfer DEVON TITLE COMPANY, DEVON TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2013 · Amount on Record
Deed Sale	Mar 22, 2013 · Amount on Record
Deed Document Number	201378556
Deed Book / Page	45548 / 700
Last Transfer Date	Sep 22, 2015
Transfer Doc	0000214158
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4354 RAMSGATE LN, BLOOMFIELD HILLS, MI 48302-1638
Transaction Type	Mortgage
Record Updated	Jun 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4354 RAMSGATE LN, BLOOMFIELD, MI 48302-1638

Mortgage

Document Number	0000137689
Date	May 26, 2021
Book Page	56297/112
Instrument	137689

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4354 RAMSGATE LN, BLOOMFIELD HILLS, MI 48302-1638
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000147460
Date	Aug 7, 2017
Book Page	50940/00788
Instrument	147460

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4354 RAMSGATE LN, BLOOMFIELD HILLS, MI 48302-1638
Document Number	0000192389
Instrument Date	Oct 28, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4354 RAMSGATE LN BLOOMFIELD HILLS MI 483021638, BLOOMFIELD HILLS, MI 48302-1638

Mortgage

Document Number	0000192389
Date	Nov 16, 2020
Book Page	055180/000853
Instrument	192389

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 21, 2017
Property Address	4354 RAMSGATE LN, BLOOMFIELD HILLS, MI 48302-1638
Document Number	0000157137
Book / Page	050990 / 000302
Instrument Date	Jul 31, 2017
Instrument	157137
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 ORCHARD VIEW DR ROYAL OAK MI 480733365, ROYAL OAK, MI 48073-3365

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	West Bloomfield Charter Township
Unified School District	Bloomfield Hills School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,106.00 (-49.83%) Homeowner's exemption	$344,460 (+31.54%) Land $32,000 Building $312,460	$688,920 (+31.54%) Land $64,000 Building $624,920
2024	$10,177.00 (+13.14%)
2023			$523,740 Land $64,000 Building $459,740
2022	$8,995.00	$261,870 Land $32,000 Building $229,870

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	2 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 98% of the US · lower than 95% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BLOOMFIELD TOWNSHIP serves 41,691 people · EPA ID MI0000790
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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