511 State St, Oxford, MI 48371 Property Records

Oakland County property record for 511 State St, Oxford, MI 48371

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,407 sqft · built 2006
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Apr 2026)
Tax Bill	$3,043 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P-04-23-303-134`

Property Details

APN / Parcel Number

Primary APN	`P-04-23-303-134`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,407 sqft Living Area
1st Floor Area	1,725 sqft
Basement Area	1,725 sqft
Unfinished Basement	1,725 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Lot Area	9,583 sqft (0.22 acres)
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	117 sqft
Patio Area	117 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	511 STATE ST
City	OXFORD
State	MI
Zip	48371-6325
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	KI
Legal Description	T5N, R10E, SEC 23 OAKLAND COUNTY CONDOMINIUM PLAN NO 1517 THE HILLS OF WILLOW LAKE UNIT 134 L 28189 P 468 03-05-03 FR 301-001
Legal Range	10E
Legal Township	05N
Legal Section	23
Legal Subdivision	OAKLAND COUNTY CONDOMINIUM
Legal Unit	134
Jurisdiction	OAKLAND MI
Township / Civil Division	OXFORD
Census Block Group	4
Census Block	4003
Census Tract	121000

Owner

511 State St, a condominium, is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	511 STATE ST, OXFORD, MI 48371-6325
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Oct 19, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Apr 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Apr 29, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026 · Amount on File
Deed Sale	Apr 29, 2026 · Amount on File
Prior Sale	Apr 28, 2008 · Amount on File
Deed Document Number	202657702
Deed Book / Page	61152 / 560
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	511 STATE ST, OXFORD, MI 48371-6325
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 STATE ST, OXFORD, MI 48371-6325

Mortgage

Document Number	0000114795
Date	Oct 19, 2023
Book Page	58951/681
Instrument	114795

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 9, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Apr 20, 2026
Property Address	511 STATE ST, OXFORD, MI 48371-6325
Document Number	20260052771
Book / Page	61124 / 863
Instrument Date	Apr 10, 2026
Instrument	202652771
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 GLANWORTH ST, LAKE ORION, MI 48362-3402

Mortgage

Document Number	0000052771,
Date	Apr 20, 2026
Book Page	61124/863
Instrument	202652771

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
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 29, 2026
Property Address	511 STATE ST, OXFORD, MI 48371-6325
Document Number	20260057702
Book / Page	61152 / 560
Instrument Date	Apr 10, 2026
Instrument	2026.57702
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$359,812.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 STATE ST, OXFORD, MI 48371-6325

Tax Assessment & Valuation

The 2025 property tax bill for 511 State St was $3,043 with a homeowner's exemption, down 37.3% 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	$3,043.00 (-37.35%) Homeowner's exemption	$212,960	$425,920
2024	$4,857.00
2023		$187,900 (+12.28%)	$375,800 (+12.28%)
2022	$4,366.00 (+4.62%) Homeowner's exemption	$167,350	$334,700
2021	$4,173.00

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

FEMA maps place 511 State St 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 511 State St 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	Direct burnable vegetation

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 153 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

May also be available: Mercury Fiber.

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