462 Duncan Ct, Rochester, MI 48307 Property Records

Oakland County property record for 462 Duncan Ct, Rochester, MI 48307

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,179 sqft · built 1998
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Tax Bill	$6,424 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Nov 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`68-15-12-301-014`

Property Details

APN / Parcel Number

Primary APN	`68-15-12-301-014`

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	3,179 sqft Living Area
1st Floor Area	1,967 sqft
Basement Area	1,653 sqft
Unfinished Basement	1,653 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	205 ft deep x 65 ft wide
Garage Area	629 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	26 sqft
Deck Area	440 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	462 DUNCAN CT
City	ROCHESTER
State	MI
Zip	48307-6044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T3N, R11E, SEC 11 & 12 STONY CREEK RIDGE NO 2 LOT 227 4-17-97 FR 326-003
Legal Range	11E
Legal Township	03N
Legal Section	11
Legal Subdivision	STONY CREEK
Legal Lot Number	4,227
Jurisdiction	OAKLAND MI
Township / Civil Division	ROCHESTER
Census Block Group	2
Census Block	2000
Census Tract	191200

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	462 DUNCAN CT, ROCHESTER, MI 48307-6044
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU
Nov 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU
Nov 5, 2019	Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU
Sep 28, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC
Aug 15, 2018	Deed of Trust, Mortgage · Line of Credit HOMESIDE FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 1999
Deed Sale	May 10, 1999
Prior Sale	May 10, 1999 · Amount on Record
Last Transfer Date	Aug 15, 2018
Transfer Doc	0000160653
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	462 DUNCAN CT, ROCHESTER, MI 48307-6044
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 DUNCAN CT, ROCHESTER, MI 48307-6044

Mortgage

Document Number	0000460791
Date	Oct 19, 2022
Book Page	58203/96
Instrument	460791

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	462 DUNCAN CT, ROCHESTER, MI 48307-6044
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	LIB

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000184526
Date	Nov 5, 2019
Book Page	53465/00872
Instrument	184526

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2039

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	462 DUNCAN CT, ROCHESTER, MI 48307-6044
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LIB

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000184527
Date	Nov 5, 2019
Book Page	53465/00887
Instrument	184527

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Sep 28, 2018
Property Address	462 DUNCAN CT, ROCHESTER, MI 48307-6044
Document Number	0000160653
Book / Page	52226 / 00165
Map Reference	LB 252 PG 32-37
Instrument Date	Aug 15, 2018
Instrument	160653
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1294 BROOK LN, 1294, ROCHESTER HILLS, MI 48306-4209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 DUNCAN CT, ROCHESTER, MI 48307-6044

Mortgage

Document Number	0000160654
Date	Sep 28, 2018
Instrument	160654

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company

Agreement

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

Mortgage

Document Number	0000160655
Date	Sep 28, 2018
Book Page	52226/00179
Instrument	160655

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	462 DUNCAN CT, ROCHESTER, MI 48307-6044
Document Number	0000160655
Instrument Date	Aug 15, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 DUNCAN CT ROCHESTER MI 483076044, ROCHESTER, MI 48307-6044

Mortgage

Document Number	0000160655
Date	Sep 28, 2018
Book Page	052226/000179
Instrument	160655

Lender

Name	HOMESIDE FIN'L
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 27, 2038

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
Municipality	Rochester City
Unified School District	Rochester Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,424.00 (-8.44%) Homeowner's exemption	$309,980 (+5.6%)	$619,960 (+5.6%)
2024	$7,016.00 (+17.42%)
2023		$293,540	$587,080
2021	$5,975.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 99.1% of the US · lower than 98.4% 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	ROCHESTER EAST serves 5,100 people · EPA ID MI0005723
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	May 2025
Lead	Under 1 ppb (2026) 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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