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

Oakland County property record for 451 Oak Arbor Cir E, Rochester, MI 48306

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 3,304 sqft · built 2011
Lot Size	0.72 acres (31,363 sqft)
Owner	2 Individual Names on Record
Last Sale	$830,000 (Apr 2026)
Tax Bill	$4,764 (2025)
Deeds & Mortgages	Jun 2026 Sale Apr 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`N-10-27-455-006`

Property Details

APN / Parcel Number

Primary APN	`N-10-27-455-006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,304 sqft Living Area
1st Floor Area	1,787 sqft
Basement Area	1,465 sqft
Unfinished Basement	1,465 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Lot Area	31,363 sqft (0.72 acres)
Garage Area	781 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	182 sqft
Patio Area	65 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	451 OAK ARBOR CIR E
City	ROCHESTER
State	MI
Zip	48306-1775
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T4N, R11E, SEC 27 OAKLAND COUNTY CONDOMINIUM PLAN NO 2006 OAK ARBOR RIDGE UNIT 6 L 42916 P 201 3-23-11 FR 10-27-452-014
Legal Range	11E
Legal Township	04N
Legal Section	27
Legal Subdivision	OAKLAND COUNTY CONDOMINIUM
Legal Unit	6
Jurisdiction	OAKLAND MI
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2006
Census Tract	190500

Owner

Source: Oakland County records, as of June 10, 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	451 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Apr 23, 2026	Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT
Apr 23, 2026	Warranty Deed, Transfer · Conventional Mortgage CLEAR MORTGAGE
Aug 29, 2023	Intrafamily Transfer, Transfer
Apr 22, 2020	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 5, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2026 · Amount on Record
Deed Sale	Apr 23, 2026 · Amount on Record
Prior Sale	Apr 22, 2020 · Amount on Record
Deed Document Number	202654608
Deed Book / Page	61136 / 305
Prior Transfer Date	Aug 25, 2023
Prior Transfer Doc	0000094676
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 3, 2026
Property Address	451 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775
Document Number	0000079021
Book / Page	61256 / 193
Instrument Date	May 27, 2026
Instrument	202679021
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	451 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 23, 2026
Property Address	451 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775
Document Number	0000054608
Book / Page	61136 / 305
Instrument Date	Apr 17, 2026
Instrument	2026.54608
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$628,725.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4799 BROOMFIELD WAY, LAKE ORION, MI 48359-1956

Mortgage

Document Number	0000054609,
Date	Apr 23, 2026
Instrument	2026..54609

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 23, 2026
Property Address	451 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775
Document Number	20260054608
Book / Page	61136 / 305
Instrument Date	Apr 17, 2026
Instrument	202654608
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$628,725.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4799 BROOMFIELD WAY, LAKE ORION, MI 48359-1956

Mortgage

Document Number	0000054609,
Date	Apr 23, 2026
Instrument	202654609

Lender

Name	CLEAR MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Aug 29, 2023
Property Address	451 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775
Document Number	0000094676
Book / Page	58840 / 279
Map Reference	LB 42916 PG 201
Instrument Date	Aug 25, 2023
Instrument	94676
Transaction Type	Transfer
Record Updated	Sep 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	451 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	451 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 22, 2020
Property Address	451 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775
Document Number	0000081168
Book / Page	54115 / 192
Map Reference	LB 42916 PG 201
Instrument Date	Apr 10, 2020
Instrument	81168
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,902.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1202 LARK ST, 1202, LAKE ORION, MI 48360-2541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775

Mortgage

Document Number	5411500193
Date	Apr 22, 2020
Instrument	54115/00193

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	451 OAK ARBOR CIR E, ROCHESTER, MI 48306-1775
Document Number	0000172950
Instrument Date	Oct 5, 2018
Transaction Type	Mortgage
Record Updated	Nov 15, 2018
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 OAK ARBOR CIR E OAKLAND MI 48306, OAKLAND, MI 48306

Mortgage

Document Number	0000172950
Date	Oct 22, 2018
Book Page	052291/000847
Instrument	172950

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of February 4, 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	$4,764.00 (-33.01%) Homeowner's exemption	$364,010 (+19.65%)	$728,020 (+19.65%)
2024	$7,111.00 (+15.51%)
2023		$304,230	$608,460
2021	$6,156.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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