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

Oakland County property record for 446 Oak Arbor Cir E, Rochester, MI 48306

Property Summary

Property Type	Condominium
Details	4 bd · 4.5 ba · 3,204 sqft · built 2016
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$540,000 (Apr 2018)
Tax Bill	$5,368 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`N-10-27-458-003`

Property Details

APN / Parcel Number

Primary APN	`N-10-27-458-003`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,204 sqft Living Area
1st Floor Area	1,121 sqft
Basement Area	1,121 sqft
Unfinished Basement	1,121 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Garage Area	777 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	314 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	446 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 3 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	3
Jurisdiction	OAKLAND MI
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2003
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	Individual Name on Record
Mailing Address	446 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Apr 16, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK
Apr 30, 2018	Quit Claim Deed, Transfer LIBERTY TITLE
May 12, 2017	Quit Claim Deed, Transfer A MICHAEL PEDROSI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2018 · Amount on Record
Deed Sale	Apr 16, 2018 · Amount on Record
Prior Sale	Feb 4, 2016 · Amount on Record
Deed Document Number	201865154
Deed Book / Page	51727 / 311
Prior Transfer Date	Mar 21, 2018
Prior Transfer Doc	0000072933
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	446 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	LIB

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000131465
Date	Aug 15, 2019
Book Page	53139/00701
Instrument	131465

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	446 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773
Document Number	0000151754
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	446 OAK ARBOR CIR E ROCHESTER MI 483061773, ROCHESTER, MI 48306-1773

Mortgage

Document Number	0000151754
Date	Aug 3, 2020
Book Page	054594/000700
Instrument	151754

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 16, 2018
Property Address	446 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773
Document Number	0000065154
Book / Page	51727 / 00311
Map Reference	LB 48552 PG 60
Instrument Date	Mar 21, 2018
Instrument	65154
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,644.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 81334, ROCHESTER, MI 48308-1334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773

Mortgage

Document Number	0000065155
Date	Apr 16, 2018
Instrument	65155

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 30, 2018
Property Address	446 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773
Document Number	0000072933
Book / Page	051768 / 000664
Instrument Date	Mar 21, 2018
Instrument	72933
Transaction Type	Transfer
Record Updated	May 15, 2018
Title Company	LIBERTY TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	446 OAK ARBOR CIR E ROCHESTER MI 483061773, ROCHESTER, MI 48306-1773

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	May 12, 2017
Property Address	446 OAK ARBOR CIR E, ROCHESTER, MI 48306-1773
Document Number	0000094090
Book / Page	050662 / 000203
Instrument Date	May 12, 2017
Instrument	94090
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 81334 ROCHESTER MI 483081334, ROCHESTER, MI 48308-1334

Mortgage

Document Number	94091
Date	May 12, 2017
Book Page	050662/000204
Instrument	94091

Lender

Name	A MICHAEL PEDROSI
Address	332 KNORRWOOD DR, OAKLAND, MI 48306-1768

Agreement

Amount	Amount Recorded

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	$5,368.00 (-33.02%) Homeowner's exemption	$415,570 (+19.9%)	$831,140 (+19.9%)
2024	$8,014.00 (+15.53%)
2023		$346,610	$693,220
2021	$6,937.00

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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