45 Lakes Edge Ct, Oxford, MI 48371 Property Records

Oakland County property record for 45 Lakes Edge Ct, Oxford, MI 48371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,061 sqft · built 1980
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Sep 2023)
Tax Bill	$6,961 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PO-04-26-402-011`

Property Details

APN / Parcel Number

Primary APN	`PO-04-26-402-011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Building Area	2,061 sqft Living Area
1st Floor Area	1,436 sqft
Basement Area	733 sqft
Unfinished Basement	733 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Lot Area	40,075 sqft (0.92 acres)
Lot Dimensions	128 ft deep x 312 ft wide
View / Lot	Waterfront
Garage Area	553 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Deck Area	123 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 LAKES EDGE CT
City	OXFORD
State	MI
Zip	48371-5222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	T5N, R10E, SEC 26 OXFORD LAKES SUB NO 1 LOT 14
Legal Range	10E
Legal Township	05N
Legal Section	26
Legal Subdivision	OXFORD LAKES SUB
Legal Lot Number	14
Jurisdiction	OAKLAND MI
Township / Civil Division	OXFORD
Census Block Group	2
Census Block	2000
Census Tract	121500

Owner

45 Lakes Edge Ct is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 LAKES EDGE CT, OXFORD, MI 48371-5222
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
Dec 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER
Sep 21, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 29, 2023	Personal Representative Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2023 · Amount on File
Deed Sale	Sep 21, 2023 · Amount on File
Prior Sale	Mar 29, 2023 · Amount on File
Deed Document Number	2023104093
Deed Book / Page	58893 / 842
Prior Transfer Date	Mar 31, 2017
Prior Transfer Doc	0000110190
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	45 LAKES EDGE CT, OXFORD, MI 48371-5222
Transaction Type	Mortgage
Record Updated	Dec 16, 2025
Title Company	UNKNOWN, AT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 LAKES EDGE CT, OXFORD, MI 48371-5222

Mortgage

Document Number	20250151562
Date	Dec 4, 2025
Book Page	60751/853
Instrument	20250151562

Lender

Name	MORTGAGE CENTER
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 21, 2023
Property Address	45 LAKES EDGE CT, OXFORD, MI 48371-5222
Document Number	0000104093
Book / Page	58893 / 842
Map Reference	LB 149 PG 32-37
Instrument Date	Aug 17, 2023
Instrument	104093
Transaction Type	Transfer
Record Updated	Oct 3, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,187.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4432 DORA LN, LAKE ORION, MI 48359-1900

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 ELDREDGE ST, MOUNT CLEMENS, MI 48043-5408

Mortgage

Document Number	0058893844
Date	Sep 21, 2023
Instrument	58893/844

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

March 2023: Personal Representative Deed, Construction Loan

Document Type	Personal Representative Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 29, 2023
Property Address	45 LAKES EDGE CT, OXFORD, MI 48371-5222
Document Number	0000030342
Book / Page	58506 / 513
Map Reference	LB 149 PG 32-37
Instrument Date	Mar 23, 2023
Instrument	30342
Transaction Type	Construction Loan
Record Updated	Apr 14, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,616.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36333 HARPER AVE, CLINTON TOWNSHIP, MI 48035-2958

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4589 LIPPINCOTT RD, LAPEER, MI 48446-7817

Mortgage

Document Number	0058506515
Date	Mar 29, 2023
Instrument	58506/515

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 45 Lakes Edge Ct was $6,961 with a homeowner's exemption, up 4.4% 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	Oxford Charter Township
Municipality	Oxford Village
Unified School District	Oxford Area Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,961.00 (+4.38%) Homeowner's exemption	$217,090	$434,180
2024	$6,669.00
2023		$100,030	$200,060
2021	$2,873.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 45 Lakes Edge Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 45 Lakes Edge Ct is low, with less than 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 94% of the US · lower than 87% 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	VILLAGE OF OXFORD serves 3,540 people · EPA ID MI0005130
Water Source	Groundwater
Last State Inspection	Jul 2024
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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