Oakland County property record for 477 E Commerce St, Milford, MI 48381
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,269 sqft · built 2005 |
| Lot Size | 0.798 acres (34,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $725,000 (Dec 2025) |
| Tax Bill | $5,655 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | LM-16-11-126-080 |
| Primary APN | LM-16-11-126-080 |
|---|
| 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 | 3,269 sqft Living Area |
| 1st Floor Area | 1,831 sqft |
| Basement Area | 1,406 sqft |
| Unfinished Basement | 1,406 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 34,761 sqft (0.798 acres) |
| Lot Dimensions | 262 ft deep x 107 ft wide |
| Terrain | High |
| Garage Area | 849 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 376 sqft |
| Patio Area | 406 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 477 E COMMERCE ST |
|---|---|
| City | MILFORD |
| State | MI |
| Zip | 48381-1719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T2N, R7E, SEC 11 ASSESSOR'S PLAT OF THE VILLAGE OF MILFORD PART OF LOTS 13 & 14 BEG AT SW COR OF SD LOT 14, TH N 01-30-22 E 164.69 FT, TH N 87-31-00 W 15.87 FT, TH N 01-21-16 E 130.97 FT, TH S 87-31-00 E 125.80 FT, TH S 01-30-22 W 66 FT, TH S 04-15-2 |
| Legal Range | 07E |
| Legal Township | 02N |
| Legal Section | 11 |
| Legal Subdivision | THE VILLAGE OF MILFORD |
| Legal Lot Number | 13-14 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | MILFORD |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 132500 |
Source: Oakland County records · APN LM-16-11-126-080
Assessment roll updated January 21, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 829 DUKE, MILFORD, MI 48381-1105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Dec 17, 2025 | Warranty Deed, Transfer · Conventional Mortgage THE LOAN STORE INC |
| Nov 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CHOICE CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 17, 2025 · Amount on Record |
| Deed Sale | Dec 17, 2025 · Amount on Record |
| Prior Sale | May 13, 2005 · Amount on Record |
| Deed Document Number | 2025159388 |
| Deed Book / Page | 60801 / 107 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Dec 17, 2025 |
| Property Address | 477 E COMMERCE ST, MILFORD, MI 48381-1719 |
| Document Number | 20250159388 |
| Book / Page | 60801 / 107 |
| Map Reference | LB 49 PG 49 PG 10&10 |
| Instrument Date | Dec 08, 2025 |
| Instrument | 20250159388 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | CAPITAL TITLE INS AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,437.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 477 E COMMERCE ST, MILFORD, MI 48381-1719 |
| Name | Verified Name |
|---|---|
| Address | 477 E COMMERCE ST, MILFORD, MI 48381-1719 |
| Document Number | 0060794762 |
|---|---|
| Date | Dec 17, 2025 |
| Instrument | 60794/762 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 477 E COMMERCE ST, MILFORD, MI 48381-1719 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 477 E COMMERCE ST, MILFORD, MI 48381-1719 |
| Document Number | 0000237635 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 55158/695 |
| Instrument | 237635 |
| Name | COMMUNITY CHOICE CU |
|---|---|
| Type | Credit Union |
| Address | FARMINGTON, MI 48334 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 01, 2035 |
Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Milford Charter Township |
| Municipality | Milford Village |
| Unified School District | Huron Valley Schools (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,655.00 (-10.45%) Homeowner's exemption | $397,450 (+19.98%) | $794,900 (+19.98%) |
| 2024 | $6,315.00 (+24.65%) | ||
| 2023 | $331,260 | $662,520 | |
| 2021 | $5,066.00 |
Source: FEMA National Flood Hazard Layer as of December 8, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the North Milford Village Historic District listed 2000 · 266 contributing resources · NRIS 00000391 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| 123.Net Fiber | 6,000 / 6,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 386 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VILLAGE OF MILFORD serves 6,366 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 4 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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