495 E Peninsula Ct, Oxford, MI 48371 Property Records

Oakland County property record for 495 E Peninsula Ct, Oxford, MI 48371

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,934 sqft · built 2003
Lot Size	0.217 acres (9,453 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Jul 2009)
Tax Bill	$3,071 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Mar 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`P-04-21-427-003`

Property Details

APN / Parcel Number

Primary APN	`P-04-21-427-003`
Alternative APN	`0421427003`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,934 sqft Living Area
1st Floor Area	1,287 sqft
Basement Area	1,287 sqft
Unfinished Basement	1,287 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Lot Area	9,453 sqft (0.217 acres)
Lot Dimensions	135 ft deep x 70 ft wide
Garage Area	868 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Deck Area	286 sqft
Patio Area	286 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	495 E PENINSULA CT
City	OXFORD
State	MI
Zip	48371-3668
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T5N, R10E, SEC 21 & 22 LAKES EDGE AT WATERSTONE LOT 15 2-24-00 FR 100-001
Legal Range	10E
Legal Township	05N
Legal Section	21
Legal Subdivision	LAKES EDGE AT WATERSTON
Legal Lot Number	2,15
Jurisdiction	OAKLAND MI
Township / Civil Division	OXFORD
Census Block Group	1
Census Block	1000
Census Tract	121400

Owner

495 E Peninsula Ct is owned and occupied by an individual who acquired it in December 2012.

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

Owner of Record	Individual Name on File
Mailing Address	495 E PENINSULA CT, OXFORD, MI 48371-3668
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
Sep 2, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 6, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Apr 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Nov 28, 2018	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2009 · Amount on File
Deed Sale	Jul 14, 2009 · Amount on File
Deed Document Number	2009128091
Deed Book / Page	41330 / 242
Last Transfer Date	Dec 21, 2012
Transfer Doc	0000039039
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	495 E PENINSULA CT, OXFORD, MI 48371-3668
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 E PENINSULA CT, OXFORD, MI 48371-3668

Mortgage

Document Number	0000439045
Date	Sep 2, 2022
Book Page	58083/641
Instrument	439045

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	495 E PENINSULA CT, OXFORD, MI 48371-3668
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041638
Date	Mar 6, 2017
Book Page	50442/00652
Instrument	041638

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	495 E PENINSULA CT, OXFORD, MI 48371-3668
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064499
Date	Apr 25, 2019
Book Page	52767/00339
Instrument	64499

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	495 E PENINSULA CT, OXFORD, MI 48371-3668
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 E PENINSULA CT, OXFORD, MI 48371-3668

Mortgage

Document Number	0000191643
Date	Nov 28, 2018
Book Page	52388/00338
Instrument	191643

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 30, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	495 E PENINSULA CT, OXFORD, MI 48371-3668
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 E PENINSULA CT, OXFORD, MI 48371-3668

Mortgage

Document Number	0000020862
Date	Jan 26, 2021
Book Page	55571/476
Instrument	20862

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 495 E Peninsula Ct was $3,071 with a homeowner's exemption, down 37.4% 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
Unified School District	Oxford Area Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,071.00 (-37.35%) Homeowner's exemption	$232,830	$465,660
2024	$4,902.00
2023		$180,870	$361,740
2021	$4,211.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 495 E Peninsula 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 495 E Peninsula Ct is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OXFORD TOWNSHIP serves 10,407 people · EPA ID MI0005138
Water Source	Groundwater
Lead	2 ppb (2022–2024) 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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Mercury Fiber.

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